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$31,744
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$1,003/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,315
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$960/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,185
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,093
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,278
−HK$1,204/mo
Today · 4.125%
HK$40,482
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,964/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,378
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,515
−HK$1,153/mo
Today · 4.125%
HK$44,668
baseline
▲ 0.50% · 4.625%
HK$47,023
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,336/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,442
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,825
−HK$1,404/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$50,103
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,442
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,768
−HK$1,345/mo
Today · 4.125%
HK$52,113
baseline
▲ 0.50% · 4.625%
HK$54,860
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,226/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,140
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,917
−HK$1,806/mo
Today · 4.125%
HK$60,723
baseline
▲ 0.50% · 4.625%
HK$64,418
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,446/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,568
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,273
−HK$1,729/mo
Today · 4.125%
HK$67,002
baseline
▲ 0.50% · 4.625%
HK$70,534
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,004/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,054 · Scale 2, in force from 26 Feb 2026)