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$1,991/mo
▼ 0.25% · 3.875%
HK$32,731
−HK$1,003/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,033 · 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$39,184
+HK$1,962/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$522,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,092
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,203/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,944
+HK$2,464/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$522,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,377
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,153/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,021
+HK$2,355/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$522,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,440
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,823
−HK$1,404/mo
Today · 4.125%
HK$47,227
baseline
▲ 0.50% · 4.625%
HK$50,101
+HK$2,874/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$522,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,439
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,765
−HK$1,346/mo
Today · 4.125%
HK$52,111
baseline
▲ 0.50% · 4.625%
HK$54,857
+HK$2,746/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,222/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,138
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,915
−HK$1,806/mo
Today · 4.125%
HK$60,721
baseline
▲ 0.50% · 4.625%
HK$64,415
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,442/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,565
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,270
−HK$1,729/mo
Today · 4.125%
HK$66,999
baseline
▲ 0.50% · 4.625%
HK$70,531
+HK$3,532/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$522,033 · Scale 2, in force from 26 Feb 2026)