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$31,641
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$1,000/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$958/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,058
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,206/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,200/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,806
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,241
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,374
−HK$1,149/mo
Today · 4.125%
HK$44,523
baseline
▲ 0.50% · 4.625%
HK$46,870
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,046/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,298
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,676
−HK$1,400/mo
Today · 4.125%
HK$47,076
baseline
▲ 0.50% · 4.625%
HK$49,940
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,152/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,281
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,603
−HK$1,341/mo
Today · 4.125%
HK$51,944
baseline
▲ 0.50% · 4.625%
HK$54,682
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,888/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,954
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,726
−HK$1,800/mo
Today · 4.125%
HK$60,526
baseline
▲ 0.50% · 4.625%
HK$64,209
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,052/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,361
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,061
−HK$1,724/mo
Today · 4.125%
HK$66,785
baseline
▲ 0.50% · 4.625%
HK$70,305
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,570/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,359 · Scale 2, in force from 26 Feb 2026)