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$31,737
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$1,003/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,254
−HK$960/mo
Today · 4.125%
HK$37,214
baseline
▲ 0.50% · 4.625%
HK$39,176
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,428/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,084
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,269
−HK$1,203/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,368
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,505
−HK$1,152/mo
Today · 4.125%
HK$44,657
baseline
▲ 0.50% · 4.625%
HK$47,011
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,314/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,431
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,814
−HK$1,404/mo
Today · 4.125%
HK$47,218
baseline
▲ 0.50% · 4.625%
HK$50,091
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,436/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,430
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,755
−HK$1,345/mo
Today · 4.125%
HK$52,100
baseline
▲ 0.50% · 4.625%
HK$54,846
+HK$2,746/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,200/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,126
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,903
−HK$1,806/mo
Today · 4.125%
HK$60,709
baseline
▲ 0.50% · 4.625%
HK$64,402
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,418/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,552
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,257
−HK$1,729/mo
Today · 4.125%
HK$66,986
baseline
▲ 0.50% · 4.625%
HK$70,517
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,972/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,928 · Scale 2, in force from 26 Feb 2026)