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$31,743
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,730
−HK$1,003/mo
Today · 4.125%
HK$33,733
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,466/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,314
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,261
−HK$961/mo
Today · 4.125%
HK$37,222
baseline
▲ 0.50% · 4.625%
HK$39,183
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,444/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,276
−HK$1,204/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,943
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,960/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,376
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,153/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,440
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,822
−HK$1,405/mo
Today · 4.125%
HK$47,227
baseline
▲ 0.50% · 4.625%
HK$50,100
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,454/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,439
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,765
−HK$1,345/mo
Today · 4.125%
HK$52,110
baseline
▲ 0.50% · 4.625%
HK$54,857
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,220/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,137
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,914
−HK$1,806/mo
Today · 4.125%
HK$60,720
baseline
▲ 0.50% · 4.625%
HK$64,415
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,440/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,565
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$1,730/mo
Today · 4.125%
HK$66,999
baseline
▲ 0.50% · 4.625%
HK$70,530
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,998/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,028 · Scale 2, in force from 26 Feb 2026)