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$31,760
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,748
−HK$1,004/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,805
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,280
−HK$962/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,205
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,112
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,204/mo
Today · 4.125%
HK$40,502
baseline
▲ 0.50% · 4.625%
HK$42,967
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,004/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,399
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,153/mo
Today · 4.125%
HK$44,690
baseline
▲ 0.50% · 4.625%
HK$47,046
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,380/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,464
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,847
−HK$1,405/mo
Today · 4.125%
HK$47,252
baseline
▲ 0.50% · 4.625%
HK$50,128
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,504/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,466
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,793
−HK$1,345/mo
Today · 4.125%
HK$52,138
baseline
▲ 0.50% · 4.625%
HK$54,887
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,276/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,168
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,807/mo
Today · 4.125%
HK$60,753
baseline
▲ 0.50% · 4.625%
HK$64,450
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,506/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,599
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,305
−HK$1,730/mo
Today · 4.125%
HK$67,035
baseline
▲ 0.50% · 4.625%
HK$70,569
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,070/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,312 · Scale 2, in force from 26 Feb 2026)