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$31,776
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$1,005/mo
Today · 4.125%
HK$33,769
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,538/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$962/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,224
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,131
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,317
−HK$1,205/mo
Today · 4.125%
HK$40,522
baseline
▲ 0.50% · 4.625%
HK$42,988
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,044/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,420
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,558
−HK$1,154/mo
Today · 4.125%
HK$44,712
baseline
▲ 0.50% · 4.625%
HK$47,069
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,424/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,486
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,870
−HK$1,406/mo
Today · 4.125%
HK$47,276
baseline
▲ 0.50% · 4.625%
HK$50,153
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,552/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,491
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,818
−HK$1,346/mo
Today · 4.125%
HK$52,164
baseline
▲ 0.50% · 4.625%
HK$54,914
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,328/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,197
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,976
−HK$1,807/mo
Today · 4.125%
HK$60,783
baseline
▲ 0.50% · 4.625%
HK$64,482
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,566/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,631
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,337
−HK$1,731/mo
Today · 4.125%
HK$67,068
baseline
▲ 0.50% · 4.625%
HK$70,604
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,136/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,572 · Scale 2, in force from 26 Feb 2026)