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$31,623
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,606
−HK$1,000/mo
Today · 4.125%
HK$33,606
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,212/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,123
−HK$957/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,035
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,200/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,781
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,654/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,216
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,149/mo
Today · 4.125%
HK$44,497
baseline
▲ 0.50% · 4.625%
HK$46,842
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,994/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,272
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,649
−HK$1,399/mo
Today · 4.125%
HK$47,048
baseline
▲ 0.50% · 4.625%
HK$49,911
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,096/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,573
−HK$1,340/mo
Today · 4.125%
HK$51,913
baseline
▲ 0.50% · 4.625%
HK$54,649
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,826/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,921
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,691
−HK$1,799/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$64,171
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,324
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,022
−HK$1,723/mo
Today · 4.125%
HK$66,745
baseline
▲ 0.50% · 4.625%
HK$70,263
+HK$3,518/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,490/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,051 · Scale 2, in force from 26 Feb 2026)