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$31,762
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$1,004/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$2,054/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,335
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$961/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$1,964/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,115
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,204/mo
Today · 4.125%
HK$40,505
baseline
▲ 0.50% · 4.625%
HK$42,970
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,010/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,153/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,356/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,851
−HK$1,405/mo
Today · 4.125%
HK$47,256
baseline
▲ 0.50% · 4.625%
HK$50,131
+HK$2,875/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,512/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,470
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,796
−HK$1,346/mo
Today · 4.125%
HK$52,142
baseline
▲ 0.50% · 4.625%
HK$54,891
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,284/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,172
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,951
−HK$1,807/mo
Today · 4.125%
HK$60,758
baseline
▲ 0.50% · 4.625%
HK$64,455
+HK$3,697/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,516/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,604
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,310
−HK$1,730/mo
Today · 4.125%
HK$67,040
baseline
▲ 0.50% · 4.625%
HK$70,574
+HK$3,534/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,080/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,351 · Scale 2, in force from 26 Feb 2026)