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$31,799
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$1,005/mo
Today · 4.125%
HK$33,793
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,586/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$962/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,253
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,159
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,346
−HK$1,206/mo
Today · 4.125%
HK$40,552
baseline
▲ 0.50% · 4.625%
HK$43,019
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,104/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,451
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,590
−HK$1,155/mo
Today · 4.125%
HK$44,745
baseline
▲ 0.50% · 4.625%
HK$47,103
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,490/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,519
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,903
−HK$1,407/mo
Today · 4.125%
HK$47,310
baseline
▲ 0.50% · 4.625%
HK$50,189
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,620/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,526
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,855
−HK$1,347/mo
Today · 4.125%
HK$52,202
baseline
▲ 0.50% · 4.625%
HK$54,954
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,404/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,238
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,019
−HK$1,808/mo
Today · 4.125%
HK$60,827
baseline
▲ 0.50% · 4.625%
HK$64,529
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,654/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,677
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,385
−HK$1,732/mo
Today · 4.125%
HK$67,117
baseline
▲ 0.50% · 4.625%
HK$70,655
+HK$3,538/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,234/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,951 · Scale 2, in force from 26 Feb 2026)