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$31,741
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$1,003/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$2,053/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$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,312
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$960/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,181
+HK$1,962/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$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,274
−HK$1,204/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,941
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,374
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,153/mo
Today · 4.125%
HK$44,663
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,326/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,820
−HK$1,404/mo
Today · 4.125%
HK$47,224
baseline
▲ 0.50% · 4.625%
HK$50,098
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,448/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,436
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,762
−HK$1,345/mo
Today · 4.125%
HK$52,107
baseline
▲ 0.50% · 4.625%
HK$54,854
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,214/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,134
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,911
−HK$1,806/mo
Today · 4.125%
HK$60,717
baseline
▲ 0.50% · 4.625%
HK$64,411
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,434/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,561
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,265
−HK$1,730/mo
Today · 4.125%
HK$66,995
baseline
▲ 0.50% · 4.625%
HK$70,526
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,990/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,998 · Scale 2, in force from 26 Feb 2026)