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$31,758
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$1,004/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,804
+HK$2,054/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,331
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,279
−HK$961/mo
Today · 4.125%
HK$37,240
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,480/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,110
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,204/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,964
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,534
−HK$1,154/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,043
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,462
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,405/mo
Today · 4.125%
HK$47,250
baseline
▲ 0.50% · 4.625%
HK$50,125
+HK$2,875/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,500/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,463
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,790
−HK$1,346/mo
Today · 4.125%
HK$52,136
baseline
▲ 0.50% · 4.625%
HK$54,884
+HK$2,748/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,272/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,165
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,943
−HK$1,807/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$64,447
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,596
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,301
−HK$1,731/mo
Today · 4.125%
HK$67,032
baseline
▲ 0.50% · 4.625%
HK$70,565
+HK$3,533/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,064/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,285 · Scale 2, in force from 26 Feb 2026)