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$31,766
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,755
−HK$1,003/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,340
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$961/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,213
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,120
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,305
−HK$1,205/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,408
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,545
−HK$1,154/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,055
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,473
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,856
−HK$1,406/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,476
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,803
−HK$1,346/mo
Today · 4.125%
HK$52,149
baseline
▲ 0.50% · 4.625%
HK$54,898
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,298/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,180
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,958
−HK$1,807/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$64,463
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,612
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,318
−HK$1,730/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$70,583
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,416 · Scale 2, in force from 26 Feb 2026)