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$31,642
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$1,000/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,146
−HK$958/mo
Today · 4.125%
HK$37,104
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,208/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,971
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,152
−HK$1,200/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,807
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,149/mo
Today · 4.125%
HK$44,524
baseline
▲ 0.50% · 4.625%
HK$46,871
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,048/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,299
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,677
−HK$1,400/mo
Today · 4.125%
HK$47,077
baseline
▲ 0.50% · 4.625%
HK$49,942
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,154/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,282
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,604
−HK$1,341/mo
Today · 4.125%
HK$51,945
baseline
▲ 0.50% · 4.625%
HK$54,683
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,890/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,956
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,728
−HK$1,800/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$64,211
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,363
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,063
−HK$1,723/mo
Today · 4.125%
HK$66,786
baseline
▲ 0.50% · 4.625%
HK$70,307
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,572/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,375 · Scale 2, in force from 26 Feb 2026)