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$35,807
+HK$2,054/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$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$961/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$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,205/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,401
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,154/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,405/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,876/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$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,468
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,346/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$2,749/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$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,170
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,949
−HK$1,806/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$522,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,601
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,307
−HK$1,731/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$70,571
+HK$3,533/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,332 · Scale 2, in force from 26 Feb 2026)