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$31,762
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$1,004/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$2,054/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,335
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$961/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,207
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,205/mo
Today · 4.125%
HK$40,505
baseline
▲ 0.50% · 4.625%
HK$42,969
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,010/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,539
−HK$1,154/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,850
−HK$1,405/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$50,131
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,469
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,796
−HK$1,346/mo
Today · 4.125%
HK$52,142
baseline
▲ 0.50% · 4.625%
HK$54,890
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,284/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,172
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,807/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$64,454
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,603
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,309
−HK$1,730/mo
Today · 4.125%
HK$67,039
baseline
▲ 0.50% · 4.625%
HK$70,573
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,078/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,344 · Scale 2, in force from 26 Feb 2026)