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$31,766
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$1,004/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$2,054/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$962/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$1,963/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,119
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,305
−HK$1,205/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,407
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,545
−HK$1,153/mo
Today · 4.125%
HK$44,698
baseline
▲ 0.50% · 4.625%
HK$47,054
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,396/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,472
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,856
−HK$1,405/mo
Today · 4.125%
HK$47,261
baseline
▲ 0.50% · 4.625%
HK$50,137
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,522/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,802
−HK$1,346/mo
Today · 4.125%
HK$52,148
baseline
▲ 0.50% · 4.625%
HK$54,897
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,296/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,179
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,957
−HK$1,807/mo
Today · 4.125%
HK$60,764
baseline
▲ 0.50% · 4.625%
HK$64,462
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,528/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,611
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,317
−HK$1,731/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$70,582
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,409 · Scale 2, in force from 26 Feb 2026)