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$31,789
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$1,005/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,364
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$962/mo
Today · 4.125%
HK$37,275
baseline
▲ 0.50% · 4.625%
HK$39,240
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,550/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,146
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,333
−HK$1,205/mo
Today · 4.125%
HK$40,538
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,076/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,437
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,575
−HK$1,155/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,504
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,888
−HK$1,407/mo
Today · 4.125%
HK$47,295
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,590/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,510
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,347/mo
Today · 4.125%
HK$52,185
baseline
▲ 0.50% · 4.625%
HK$54,936
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,370/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,219
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,808/mo
Today · 4.125%
HK$60,807
baseline
▲ 0.50% · 4.625%
HK$64,507
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,614/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,656
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,363
−HK$1,732/mo
Today · 4.125%
HK$67,095
baseline
▲ 0.50% · 4.625%
HK$70,632
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,190/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,779 · Scale 2, in force from 26 Feb 2026)