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$31,765
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,753
−HK$1,004/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,338
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$961/mo
Today · 4.125%
HK$37,247
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,494/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,118
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,304
−HK$1,204/mo
Today · 4.125%
HK$40,508
baseline
▲ 0.50% · 4.625%
HK$42,973
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,016/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,406
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,543
−HK$1,154/mo
Today · 4.125%
HK$44,697
baseline
▲ 0.50% · 4.625%
HK$47,053
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,394/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,471
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,406/mo
Today · 4.125%
HK$47,260
baseline
▲ 0.50% · 4.625%
HK$50,135
+HK$2,875/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,520/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,474
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,800
−HK$1,346/mo
Today · 4.125%
HK$52,146
baseline
▲ 0.50% · 4.625%
HK$54,895
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,292/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,955
−HK$1,807/mo
Today · 4.125%
HK$60,762
baseline
▲ 0.50% · 4.625%
HK$64,460
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,524/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,609
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,315
−HK$1,730/mo
Today · 4.125%
HK$67,045
baseline
▲ 0.50% · 4.625%
HK$70,579
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,090/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,392 · Scale 2, in force from 26 Feb 2026)