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$31,732
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$1,003/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,774
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$961/mo
Today · 4.125%
HK$37,209
baseline
▲ 0.50% · 4.625%
HK$39,170
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,418/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,203/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,362
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,153/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,353/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,807
−HK$1,404/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,422
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,344/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$54,838
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,118
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,894
−HK$1,805/mo
Today · 4.125%
HK$60,699
baseline
▲ 0.50% · 4.625%
HK$64,393
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,398/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,543
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,247
−HK$1,729/mo
Today · 4.125%
HK$66,976
baseline
▲ 0.50% · 4.625%
HK$70,506
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,952/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,850 · Scale 2, in force from 26 Feb 2026)