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$31,659
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,644
−HK$1,000/mo
Today · 4.125%
HK$33,644
baseline
▲ 0.50% · 4.625%
HK$35,692
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,288/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,220
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,165
−HK$958/mo
Today · 4.125%
HK$37,123
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,246/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,173
−HK$1,200/mo
Today · 4.125%
HK$40,373
baseline
▲ 0.50% · 4.625%
HK$42,830
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,746/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,398
−HK$1,150/mo
Today · 4.125%
HK$44,548
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,096/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,323
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,701
−HK$1,401/mo
Today · 4.125%
HK$47,102
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,204/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,309
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,631
−HK$1,342/mo
Today · 4.125%
HK$51,973
baseline
▲ 0.50% · 4.625%
HK$54,712
+HK$2,739/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,946/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,986
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,759
−HK$1,801/mo
Today · 4.125%
HK$60,560
baseline
▲ 0.50% · 4.625%
HK$64,245
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,120/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,397
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,097
−HK$1,725/mo
Today · 4.125%
HK$66,822
baseline
▲ 0.50% · 4.625%
HK$70,344
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,644/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,651 · Scale 2, in force from 26 Feb 2026)