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$31,777
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,766
−HK$1,004/mo
Today · 4.125%
HK$33,770
baseline
▲ 0.50% · 4.625%
HK$35,825
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,540/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,352
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,300
−HK$962/mo
Today · 4.125%
HK$37,262
baseline
▲ 0.50% · 4.625%
HK$39,226
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,524/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,205/mo
Today · 4.125%
HK$40,524
baseline
▲ 0.50% · 4.625%
HK$42,990
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,048/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,422
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,154/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,071
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,488
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,872
−HK$1,406/mo
Today · 4.125%
HK$47,278
baseline
▲ 0.50% · 4.625%
HK$50,155
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,556/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,493
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,820
−HK$1,347/mo
Today · 4.125%
HK$52,167
baseline
▲ 0.50% · 4.625%
HK$54,916
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,334/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,199
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,978
−HK$1,808/mo
Today · 4.125%
HK$60,786
baseline
▲ 0.50% · 4.625%
HK$64,485
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,572/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,633
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,340
−HK$1,731/mo
Today · 4.125%
HK$67,071
baseline
▲ 0.50% · 4.625%
HK$70,607
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,142/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,594 · Scale 2, in force from 26 Feb 2026)