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$31,723
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,710
−HK$1,003/mo
Today · 4.125%
HK$33,713
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$2,051/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,426/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,292
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$961/mo
Today · 4.125%
HK$37,199
baseline
▲ 0.50% · 4.625%
HK$39,159
+HK$1,960/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,398/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,068
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,252
−HK$1,203/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,917
+HK$2,462/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,486
−HK$1,152/mo
Today · 4.125%
HK$44,638
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,353/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,276/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,794
−HK$1,404/mo
Today · 4.125%
HK$47,198
baseline
▲ 0.50% · 4.625%
HK$50,070
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,396/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,409
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,344/mo
Today · 4.125%
HK$52,078
baseline
▲ 0.50% · 4.625%
HK$54,823
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,156/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,878
−HK$1,805/mo
Today · 4.125%
HK$60,683
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,692/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,366/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,229
−HK$1,728/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,914/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,707 · Scale 2, in force from 26 Feb 2026)