The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,675
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$1,001/mo
Today · 4.125%
HK$33,661
baseline
▲ 0.50% · 4.625%
HK$35,709
+HK$2,048/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,322/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,238
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,183
−HK$959/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,100
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,010
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,192
−HK$1,201/mo
Today · 4.125%
HK$40,393
baseline
▲ 0.50% · 4.625%
HK$42,851
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,786/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,286
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,150/mo
Today · 4.125%
HK$44,570
baseline
▲ 0.50% · 4.625%
HK$46,920
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,140/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,345
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,402/mo
Today · 4.125%
HK$47,126
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,252/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,656
−HK$1,343/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,015
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,788
−HK$1,802/mo
Today · 4.125%
HK$60,590
baseline
▲ 0.50% · 4.625%
HK$64,277
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,180/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,428
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,130
−HK$1,725/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,379
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,911 · Scale 2, in force from 26 Feb 2026)