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$31,771
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$1,004/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,818
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,345
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,293
−HK$962/mo
Today · 4.125%
HK$37,255
baseline
▲ 0.50% · 4.625%
HK$39,218
+HK$1,963/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,510/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,311
−HK$1,205/mo
Today · 4.125%
HK$40,516
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,032/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,551
−HK$1,154/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,479
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,863
−HK$1,406/mo
Today · 4.125%
HK$47,269
baseline
▲ 0.50% · 4.625%
HK$50,145
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,538/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,483
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,810
−HK$1,346/mo
Today · 4.125%
HK$52,156
baseline
▲ 0.50% · 4.625%
HK$54,906
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,312/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,188
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,967
−HK$1,807/mo
Today · 4.125%
HK$60,774
baseline
▲ 0.50% · 4.625%
HK$64,472
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,548/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,327
−HK$1,731/mo
Today · 4.125%
HK$67,058
baseline
▲ 0.50% · 4.625%
HK$70,593
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,116/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,491 · Scale 2, in force from 26 Feb 2026)