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$31,763
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,751
−HK$1,004/mo
Today · 4.125%
HK$33,755
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$2,054/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,510/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$962/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,209
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,116
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,302
−HK$1,204/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,971
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,404
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,541
−HK$1,154/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,051
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,469
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,852
−HK$1,405/mo
Today · 4.125%
HK$47,257
baseline
▲ 0.50% · 4.625%
HK$50,133
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,514/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,471
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,798
−HK$1,346/mo
Today · 4.125%
HK$52,144
baseline
▲ 0.50% · 4.625%
HK$54,892
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,288/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,174
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,953
−HK$1,807/mo
Today · 4.125%
HK$60,760
baseline
▲ 0.50% · 4.625%
HK$64,457
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,520/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,606
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$1,730/mo
Today · 4.125%
HK$67,042
baseline
▲ 0.50% · 4.625%
HK$70,576
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,084/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,367 · Scale 2, in force from 26 Feb 2026)