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$31,765
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$1,003/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$962/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$1,963/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,119
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,304
−HK$1,205/mo
Today · 4.125%
HK$40,509
baseline
▲ 0.50% · 4.625%
HK$42,974
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,018/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,406
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,544
−HK$1,154/mo
Today · 4.125%
HK$44,698
baseline
▲ 0.50% · 4.625%
HK$47,054
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,396/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,472
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,855
−HK$1,405/mo
Today · 4.125%
HK$47,260
baseline
▲ 0.50% · 4.625%
HK$50,136
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,520/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,474
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,801
−HK$1,346/mo
Today · 4.125%
HK$52,147
baseline
▲ 0.50% · 4.625%
HK$54,896
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,294/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,178
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,956
−HK$1,807/mo
Today · 4.125%
HK$60,763
baseline
▲ 0.50% · 4.625%
HK$64,461
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,526/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,610
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,316
−HK$1,730/mo
Today · 4.125%
HK$67,046
baseline
▲ 0.50% · 4.625%
HK$70,580
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,092/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,399 · Scale 2, in force from 26 Feb 2026)