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$31,781
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,770
−HK$1,004/mo
Today · 4.125%
HK$33,774
baseline
▲ 0.50% · 4.625%
HK$35,829
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,548/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,356
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,304
−HK$962/mo
Today · 4.125%
HK$37,266
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,532/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,137
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,206/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,427
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,565
−HK$1,154/mo
Today · 4.125%
HK$44,719
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,358/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,438/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,493
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,877
−HK$1,406/mo
Today · 4.125%
HK$47,283
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,566/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,498
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,826
−HK$1,347/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,206
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,985
−HK$1,808/mo
Today · 4.125%
HK$60,793
baseline
▲ 0.50% · 4.625%
HK$64,492
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,586/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,641
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,348
−HK$1,731/mo
Today · 4.125%
HK$67,079
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,158/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,655 · Scale 2, in force from 26 Feb 2026)