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$31,666
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,651
−HK$1,001/mo
Today · 4.125%
HK$33,652
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,304/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,228
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,173
−HK$958/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,089
+HK$1,958/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,999
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,181
−HK$1,201/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,764/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,151/mo
Today · 4.125%
HK$44,558
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,116/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,332
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,711
−HK$1,401/mo
Today · 4.125%
HK$47,112
baseline
▲ 0.50% · 4.625%
HK$49,979
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,224/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,319
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,642
−HK$1,342/mo
Today · 4.125%
HK$51,984
baseline
▲ 0.50% · 4.625%
HK$54,724
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,968/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,999
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,772
−HK$1,801/mo
Today · 4.125%
HK$60,573
baseline
▲ 0.50% · 4.625%
HK$64,259
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,146/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,411
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,111
−HK$1,725/mo
Today · 4.125%
HK$66,836
baseline
▲ 0.50% · 4.625%
HK$70,359
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,672/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,764 · Scale 2, in force from 26 Feb 2026)