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$31,761
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$1,004/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,806
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$962/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,113
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,204/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,401
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,153/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,465
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,848
−HK$1,406/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,875/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,467
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,346/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,170
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,948
−HK$1,807/mo
Today · 4.125%
HK$60,755
baseline
▲ 0.50% · 4.625%
HK$64,452
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,510/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,601
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,307
−HK$1,730/mo
Today · 4.125%
HK$67,037
baseline
▲ 0.50% · 4.625%
HK$70,571
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,074/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,326 · Scale 2, in force from 26 Feb 2026)