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$31,733
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$1,002/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,774
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,249
−HK$960/mo
Today · 4.125%
HK$37,209
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,418/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,204/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,152/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,807
−HK$1,404/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$50,084
+HK$2,873/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,423
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,345/mo
Today · 4.125%
HK$52,093
baseline
▲ 0.50% · 4.625%
HK$54,839
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,186/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,119
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,895
−HK$1,805/mo
Today · 4.125%
HK$60,700
baseline
▲ 0.50% · 4.625%
HK$64,394
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,400/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,544
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,248
−HK$1,729/mo
Today · 4.125%
HK$66,977
baseline
▲ 0.50% · 4.625%
HK$70,507
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,954/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,858 · Scale 2, in force from 26 Feb 2026)