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$31,773
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$1,004/mo
Today · 4.125%
HK$33,766
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,532/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,348
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$961/mo
Today · 4.125%
HK$37,257
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,514/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,314
−HK$1,205/mo
Today · 4.125%
HK$40,519
baseline
▲ 0.50% · 4.625%
HK$42,984
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,038/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,417
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,154/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,065
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,483
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,866
−HK$1,406/mo
Today · 4.125%
HK$47,272
baseline
▲ 0.50% · 4.625%
HK$50,149
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,544/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,814
−HK$1,346/mo
Today · 4.125%
HK$52,160
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,320/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,192
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,971
−HK$1,807/mo
Today · 4.125%
HK$60,778
baseline
▲ 0.50% · 4.625%
HK$64,477
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,556/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,626
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,332
−HK$1,731/mo
Today · 4.125%
HK$67,063
baseline
▲ 0.50% · 4.625%
HK$70,598
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,126/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,529 · Scale 2, in force from 26 Feb 2026)