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$31,769
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$1,004/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,343
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,291
−HK$961/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,216
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,123
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,309
−HK$1,204/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,979
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,411
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,549
−HK$1,154/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,059
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,406/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,346/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$54,902
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,184
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,963
−HK$1,807/mo
Today · 4.125%
HK$60,770
baseline
▲ 0.50% · 4.625%
HK$64,468
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,540/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,617
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,323
−HK$1,731/mo
Today · 4.125%
HK$67,054
baseline
▲ 0.50% · 4.625%
HK$70,588
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,108/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,458 · Scale 2, in force from 26 Feb 2026)