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$31,740
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$1,003/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,462/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,311
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,258
−HK$961/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,180
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,088
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,273
−HK$1,204/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,940
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,373
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,509
−HK$1,153/mo
Today · 4.125%
HK$44,662
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,324/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,404/mo
Today · 4.125%
HK$47,223
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,446/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,435
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,761
−HK$1,345/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$54,853
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,133
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,910
−HK$1,805/mo
Today · 4.125%
HK$60,715
baseline
▲ 0.50% · 4.625%
HK$64,410
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,430/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,560
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,264
−HK$1,729/mo
Today · 4.125%
HK$66,993
baseline
▲ 0.50% · 4.625%
HK$70,525
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,986/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,987 · Scale 2, in force from 26 Feb 2026)