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$31,794
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,783
−HK$1,004/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,370
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,319
−HK$962/mo
Today · 4.125%
HK$37,281
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,562/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,152
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,339
−HK$1,206/mo
Today · 4.125%
HK$40,545
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,090/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,444
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,582
−HK$1,155/mo
Today · 4.125%
HK$44,737
baseline
▲ 0.50% · 4.625%
HK$47,095
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,474/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,511
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,896
−HK$1,406/mo
Today · 4.125%
HK$47,302
baseline
▲ 0.50% · 4.625%
HK$50,181
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,604/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,518
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,846
−HK$1,347/mo
Today · 4.125%
HK$52,193
baseline
▲ 0.50% · 4.625%
HK$54,945
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,386/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,229
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,009
−HK$1,808/mo
Today · 4.125%
HK$60,817
baseline
▲ 0.50% · 4.625%
HK$64,518
+HK$3,701/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,634/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,666
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,374
−HK$1,732/mo
Today · 4.125%
HK$67,106
baseline
▲ 0.50% · 4.625%
HK$70,643
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,212/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,863 · Scale 2, in force from 26 Feb 2026)