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$31,740
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,727
−HK$1,003/mo
Today · 4.125%
HK$33,730
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,460/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,310
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$961/mo
Today · 4.125%
HK$37,218
baseline
▲ 0.50% · 4.625%
HK$39,180
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,436/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,088
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,204/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,939
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,372
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,509
−HK$1,152/mo
Today · 4.125%
HK$44,661
baseline
▲ 0.50% · 4.625%
HK$47,016
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,322/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,436
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,818
−HK$1,404/mo
Today · 4.125%
HK$47,222
baseline
▲ 0.50% · 4.625%
HK$50,095
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,444/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,434
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,760
−HK$1,345/mo
Today · 4.125%
HK$52,105
baseline
▲ 0.50% · 4.625%
HK$54,851
+HK$2,746/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,210/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,131
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,909
−HK$1,805/mo
Today · 4.125%
HK$60,714
baseline
▲ 0.50% · 4.625%
HK$64,408
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,428/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,558
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,263
−HK$1,729/mo
Today · 4.125%
HK$66,992
baseline
▲ 0.50% · 4.625%
HK$70,523
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,984/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,977 · Scale 2, in force from 26 Feb 2026)