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$31,736
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$1,002/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$961/mo
Today · 4.125%
HK$37,214
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,428/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,084
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,204/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,934
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,368
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,504
−HK$1,153/mo
Today · 4.125%
HK$44,657
baseline
▲ 0.50% · 4.625%
HK$47,011
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,314/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,431
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,404/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$50,090
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,429
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,755
−HK$1,344/mo
Today · 4.125%
HK$52,099
baseline
▲ 0.50% · 4.625%
HK$54,846
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,198/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,125
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,806/mo
Today · 4.125%
HK$60,708
baseline
▲ 0.50% · 4.625%
HK$64,402
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,416/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,551
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,256
−HK$1,729/mo
Today · 4.125%
HK$66,985
baseline
▲ 0.50% · 4.625%
HK$70,516
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,970/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,921 · Scale 2, in force from 26 Feb 2026)