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$31,783
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,772
−HK$1,004/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,359
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,307
−HK$962/mo
Today · 4.125%
HK$37,269
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,538/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,140
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,326
−HK$1,206/mo
Today · 4.125%
HK$40,532
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,466/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,064/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,430
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,568
−HK$1,155/mo
Today · 4.125%
HK$44,723
baseline
▲ 0.50% · 4.625%
HK$47,080
+HK$2,357/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,446/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,497
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,406/mo
Today · 4.125%
HK$47,287
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,574/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,502
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,347/mo
Today · 4.125%
HK$52,177
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,354/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,210
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,990
−HK$1,808/mo
Today · 4.125%
HK$60,798
baseline
▲ 0.50% · 4.625%
HK$64,497
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,596/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,646
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,353
−HK$1,731/mo
Today · 4.125%
HK$67,084
baseline
▲ 0.50% · 4.625%
HK$70,620
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,168/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,694 · Scale 2, in force from 26 Feb 2026)