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$31,752
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,739
−HK$1,004/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,796
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,323
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$961/mo
Today · 4.125%
HK$37,232
baseline
▲ 0.50% · 4.625%
HK$39,194
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,464/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,102
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,287
−HK$1,204/mo
Today · 4.125%
HK$40,491
baseline
▲ 0.50% · 4.625%
HK$42,955
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,982/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,388
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,153/mo
Today · 4.125%
HK$44,678
baseline
▲ 0.50% · 4.625%
HK$47,033
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,356/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,452
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,835
−HK$1,405/mo
Today · 4.125%
HK$47,240
baseline
▲ 0.50% · 4.625%
HK$50,114
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,480/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,453
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,779
−HK$1,345/mo
Today · 4.125%
HK$52,124
baseline
▲ 0.50% · 4.625%
HK$54,872
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,248/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,153
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,931
−HK$1,806/mo
Today · 4.125%
HK$60,737
baseline
▲ 0.50% · 4.625%
HK$64,432
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,474/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,582
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,287
−HK$1,730/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$70,550
+HK$3,533/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,171 · Scale 2, in force from 26 Feb 2026)