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$31,791
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$1,005/mo
Today · 4.125%
HK$33,785
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,570/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,368
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$962/mo
Today · 4.125%
HK$37,278
baseline
▲ 0.50% · 4.625%
HK$39,243
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,556/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,150
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,336
−HK$1,206/mo
Today · 4.125%
HK$40,542
baseline
▲ 0.50% · 4.625%
HK$43,009
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,084/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,441
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,579
−HK$1,155/mo
Today · 4.125%
HK$44,734
baseline
▲ 0.50% · 4.625%
HK$47,092
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,468/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,508
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,407/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,515
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,347/mo
Today · 4.125%
HK$52,190
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,380/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,225
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,005
−HK$1,808/mo
Today · 4.125%
HK$60,813
baseline
▲ 0.50% · 4.625%
HK$64,513
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,626/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,662
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,369
−HK$1,732/mo
Today · 4.125%
HK$67,101
baseline
▲ 0.50% · 4.625%
HK$70,638
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,202/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,828 · Scale 2, in force from 26 Feb 2026)