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$31,786
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$1,005/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,835
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,362
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$963/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,237
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,144
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,206/mo
Today · 4.125%
HK$40,536
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,466/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,072/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,573
−HK$1,154/mo
Today · 4.125%
HK$44,727
baseline
▲ 0.50% · 4.625%
HK$47,085
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,454/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,501
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,885
−HK$1,407/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$50,169
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,835
−HK$1,347/mo
Today · 4.125%
HK$52,182
baseline
▲ 0.50% · 4.625%
HK$54,932
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,364/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,216
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,995
−HK$1,808/mo
Today · 4.125%
HK$60,803
baseline
▲ 0.50% · 4.625%
HK$64,503
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,606/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,652
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,359
−HK$1,732/mo
Today · 4.125%
HK$67,091
baseline
▲ 0.50% · 4.625%
HK$70,627
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,182/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,745 · Scale 2, in force from 26 Feb 2026)