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$31,731
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$1,003/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$960/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,169
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,204/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,361
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,153/mo
Today · 4.125%
HK$44,650
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,353/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,300/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,404/mo
Today · 4.125%
HK$47,210
baseline
▲ 0.50% · 4.625%
HK$50,082
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,420/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,421
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,344/mo
Today · 4.125%
HK$52,091
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,182/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,117
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,893
−HK$1,805/mo
Today · 4.125%
HK$60,698
baseline
▲ 0.50% · 4.625%
HK$64,392
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,396/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,542
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,246
−HK$1,729/mo
Today · 4.125%
HK$66,975
baseline
▲ 0.50% · 4.625%
HK$70,505
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,950/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,840 · Scale 2, in force from 26 Feb 2026)