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$31,661
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,646
−HK$1,001/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$958/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,083
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,994
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,175
−HK$1,201/mo
Today · 4.125%
HK$40,376
baseline
▲ 0.50% · 4.625%
HK$42,833
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,752/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,267
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,401
−HK$1,150/mo
Today · 4.125%
HK$44,551
baseline
▲ 0.50% · 4.625%
HK$46,899
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,102/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,326
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,400/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,972
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,312
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,341/mo
Today · 4.125%
HK$51,976
baseline
▲ 0.50% · 4.625%
HK$54,716
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,952/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,990
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,763
−HK$1,801/mo
Today · 4.125%
HK$60,564
baseline
▲ 0.50% · 4.625%
HK$64,249
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,128/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,401
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,102
−HK$1,725/mo
Today · 4.125%
HK$66,827
baseline
▲ 0.50% · 4.625%
HK$70,349
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,654/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,687 · Scale 2, in force from 26 Feb 2026)