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$31,796
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,004/mo
Today · 4.125%
HK$33,789
baseline
▲ 0.50% · 4.625%
HK$35,845
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,578/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,372
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$962/mo
Today · 4.125%
HK$37,283
baseline
▲ 0.50% · 4.625%
HK$39,248
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,566/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,155
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,206/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$43,014
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,447
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,155/mo
Today · 4.125%
HK$44,740
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,480/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,514
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,898
−HK$1,407/mo
Today · 4.125%
HK$47,305
baseline
▲ 0.50% · 4.625%
HK$50,184
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,610/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,521
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,348/mo
Today · 4.125%
HK$52,197
baseline
▲ 0.50% · 4.625%
HK$54,948
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,394/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,232
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,012
−HK$1,809/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,522
+HK$3,701/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,670
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,378
−HK$1,732/mo
Today · 4.125%
HK$67,110
baseline
▲ 0.50% · 4.625%
HK$70,647
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,220/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,894 · Scale 2, in force from 26 Feb 2026)