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$31,784
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,773
−HK$1,004/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,359
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$962/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,234
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,141
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,327
−HK$1,206/mo
Today · 4.125%
HK$40,533
baseline
▲ 0.50% · 4.625%
HK$42,999
+HK$2,466/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,066/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,431
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,569
−HK$1,155/mo
Today · 4.125%
HK$44,724
baseline
▲ 0.50% · 4.625%
HK$47,081
+HK$2,357/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,448/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,498
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,882
−HK$1,406/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,831
−HK$1,347/mo
Today · 4.125%
HK$52,178
baseline
▲ 0.50% · 4.625%
HK$54,928
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,356/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,211
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,991
−HK$1,808/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,498
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,647
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$1,732/mo
Today · 4.125%
HK$67,086
baseline
▲ 0.50% · 4.625%
HK$70,622
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,172/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,705 · Scale 2, in force from 26 Feb 2026)