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$31,731
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$1,003/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,772
+HK$2,051/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,247
−HK$960/mo
Today · 4.125%
HK$37,207
baseline
▲ 0.50% · 4.625%
HK$39,169
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,414/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,077
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,261
−HK$1,204/mo
Today · 4.125%
HK$40,465
baseline
▲ 0.50% · 4.625%
HK$42,927
+HK$2,462/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,930/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,360
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,496
−HK$1,153/mo
Today · 4.125%
HK$44,649
baseline
▲ 0.50% · 4.625%
HK$47,002
+HK$2,353/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,298/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,423
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,805
−HK$1,404/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$50,081
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,420
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,746
−HK$1,344/mo
Today · 4.125%
HK$52,090
baseline
▲ 0.50% · 4.625%
HK$54,836
+HK$2,746/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,180/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,115
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,892
−HK$1,805/mo
Today · 4.125%
HK$60,697
baseline
▲ 0.50% · 4.625%
HK$64,390
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,394/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,244
−HK$1,729/mo
Today · 4.125%
HK$66,973
baseline
▲ 0.50% · 4.625%
HK$70,503
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,946/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,829 · Scale 2, in force from 26 Feb 2026)