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$31,767
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,755
−HK$1,004/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,814
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,341
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$961/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,214
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,204/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,976
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,409
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,546
−HK$1,154/mo
Today · 4.125%
HK$44,700
baseline
▲ 0.50% · 4.625%
HK$47,056
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,400/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,474
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,405/mo
Today · 4.125%
HK$47,263
baseline
▲ 0.50% · 4.625%
HK$50,139
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,526/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,477
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,804
−HK$1,346/mo
Today · 4.125%
HK$52,150
baseline
▲ 0.50% · 4.625%
HK$54,899
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,300/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,181
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,960
−HK$1,807/mo
Today · 4.125%
HK$60,767
baseline
▲ 0.50% · 4.625%
HK$64,464
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,534/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,613
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,320
−HK$1,730/mo
Today · 4.125%
HK$67,050
baseline
▲ 0.50% · 4.625%
HK$70,585
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,100/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,431 · Scale 2, in force from 26 Feb 2026)