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$31,733
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$1,003/mo
Today · 4.125%
HK$33,723
baseline
▲ 0.50% · 4.625%
HK$35,775
+HK$2,052/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,446/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,303
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,250
−HK$960/mo
Today · 4.125%
HK$37,210
baseline
▲ 0.50% · 4.625%
HK$39,172
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,420/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,080
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,265
−HK$1,203/mo
Today · 4.125%
HK$40,468
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,936/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,364
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,152/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,006
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,427
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,404/mo
Today · 4.125%
HK$47,213
baseline
▲ 0.50% · 4.625%
HK$50,085
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,426/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,424
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,345/mo
Today · 4.125%
HK$52,095
baseline
▲ 0.50% · 4.625%
HK$54,840
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,190/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,120
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,897
−HK$1,805/mo
Today · 4.125%
HK$60,702
baseline
▲ 0.50% · 4.625%
HK$64,396
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,404/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,546
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,250
−HK$1,729/mo
Today · 4.125%
HK$66,979
baseline
▲ 0.50% · 4.625%
HK$70,509
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,958/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,872 · Scale 2, in force from 26 Feb 2026)