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$31,782
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$1,004/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$962/mo
Today · 4.125%
HK$37,268
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,536/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,139
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,325
−HK$1,205/mo
Today · 4.125%
HK$40,530
baseline
▲ 0.50% · 4.625%
HK$42,996
+HK$2,466/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,060/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,429
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,567
−HK$1,154/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,079
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,495
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,879
−HK$1,406/mo
Today · 4.125%
HK$47,285
baseline
▲ 0.50% · 4.625%
HK$50,163
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,570/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,500
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,828
−HK$1,347/mo
Today · 4.125%
HK$52,175
baseline
▲ 0.50% · 4.625%
HK$54,925
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,350/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,807/mo
Today · 4.125%
HK$60,795
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,590/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,643
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,350
−HK$1,732/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,676 · Scale 2, in force from 26 Feb 2026)