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$1,989/mo
▼ 0.25% · 3.875%
HK$32,710
−HK$1,002/mo
Today · 4.125%
HK$33,712
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,424/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,292
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$960/mo
Today · 4.125%
HK$37,198
baseline
▲ 0.50% · 4.625%
HK$39,159
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,396/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,702 · 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$42,916
+HK$2,461/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$521,702 · 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$521,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,412
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,794
−HK$1,403/mo
Today · 4.125%
HK$47,197
baseline
▲ 0.50% · 4.625%
HK$50,069
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,394/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,408
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,344/mo
Today · 4.125%
HK$52,077
baseline
▲ 0.50% · 4.625%
HK$54,823
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,154/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,101
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,878
−HK$1,804/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,228
−HK$1,729/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$70,486
+HK$3,529/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$521,702 · Scale 2, in force from 26 Feb 2026)