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$31,780
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$1,005/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,355
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$962/mo
Today · 4.125%
HK$37,265
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,530/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,322
−HK$1,205/mo
Today · 4.125%
HK$40,527
baseline
▲ 0.50% · 4.625%
HK$42,993
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,054/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,426
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,563
−HK$1,155/mo
Today · 4.125%
HK$44,718
baseline
▲ 0.50% · 4.625%
HK$47,075
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,436/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,492
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,876
−HK$1,406/mo
Today · 4.125%
HK$47,282
baseline
▲ 0.50% · 4.625%
HK$50,159
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,564/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,497
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,824
−HK$1,347/mo
Today · 4.125%
HK$52,171
baseline
▲ 0.50% · 4.625%
HK$54,921
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,342/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,204
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,808/mo
Today · 4.125%
HK$60,791
baseline
▲ 0.50% · 4.625%
HK$64,490
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,582/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,638
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,345
−HK$1,732/mo
Today · 4.125%
HK$67,077
baseline
▲ 0.50% · 4.625%
HK$70,612
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,154/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,636 · Scale 2, in force from 26 Feb 2026)