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$31,647
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$1,000/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,678
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,151
−HK$958/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,976
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,157
−HK$1,201/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,813
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,150/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$46,878
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,684
−HK$1,400/mo
Today · 4.125%
HK$47,084
baseline
▲ 0.50% · 4.625%
HK$49,949
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,168/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,341/mo
Today · 4.125%
HK$51,952
baseline
▲ 0.50% · 4.625%
HK$54,691
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,904/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,964
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,736
−HK$1,800/mo
Today · 4.125%
HK$60,536
baseline
▲ 0.50% · 4.625%
HK$64,220
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,072/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,372
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,072
−HK$1,724/mo
Today · 4.125%
HK$66,796
baseline
▲ 0.50% · 4.625%
HK$70,317
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,592/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,448 · Scale 2, in force from 26 Feb 2026)