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$1,994/mo
▼ 0.25% · 3.875%
HK$32,783
−HK$1,005/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,844
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,319
−HK$962/mo
Today · 4.125%
HK$37,281
baseline
▲ 0.50% · 4.625%
HK$39,247
+HK$1,966/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$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,205/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$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,445
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,155/mo
Today · 4.125%
HK$44,738
baseline
▲ 0.50% · 4.625%
HK$47,096
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,476/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,896
−HK$1,407/mo
Today · 4.125%
HK$47,303
baseline
▲ 0.50% · 4.625%
HK$50,181
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,606/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,847
−HK$1,347/mo
Today · 4.125%
HK$52,194
baseline
▲ 0.50% · 4.625%
HK$54,945
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,388/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,229
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,009
−HK$1,809/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,519
+HK$3,701/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,667
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,374
−HK$1,733/mo
Today · 4.125%
HK$67,107
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,214/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,869 · Scale 2, in force from 26 Feb 2026)