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$31,764
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$1,004/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$2,054/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$961/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$1,964/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,117
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,302
−HK$1,205/mo
Today · 4.125%
HK$40,507
baseline
▲ 0.50% · 4.625%
HK$42,972
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,014/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,405
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,542
−HK$1,153/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,051
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,470
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,853
−HK$1,405/mo
Today · 4.125%
HK$47,258
baseline
▲ 0.50% · 4.625%
HK$50,134
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,516/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,472
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,799
−HK$1,346/mo
Today · 4.125%
HK$52,145
baseline
▲ 0.50% · 4.625%
HK$54,893
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,290/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,175
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,954
−HK$1,807/mo
Today · 4.125%
HK$60,761
baseline
▲ 0.50% · 4.625%
HK$64,458
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,522/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,607
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,313
−HK$1,730/mo
Today · 4.125%
HK$67,043
baseline
▲ 0.50% · 4.625%
HK$70,577
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,086/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,375 · Scale 2, in force from 26 Feb 2026)