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$31,779
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$1,005/mo
Today · 4.125%
HK$33,772
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,544/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$962/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,228
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,135
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,321
−HK$1,205/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,155/mo
Today · 4.125%
HK$44,717
baseline
▲ 0.50% · 4.625%
HK$47,074
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,434/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,491
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,874
−HK$1,406/mo
Today · 4.125%
HK$47,280
baseline
▲ 0.50% · 4.625%
HK$50,157
+HK$2,877/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,560/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,495
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,823
−HK$1,346/mo
Today · 4.125%
HK$52,169
baseline
▲ 0.50% · 4.625%
HK$54,919
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,338/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,202
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,808/mo
Today · 4.125%
HK$60,789
baseline
▲ 0.50% · 4.625%
HK$64,488
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,578/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,637
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,343
−HK$1,732/mo
Today · 4.125%
HK$67,075
baseline
▲ 0.50% · 4.625%
HK$70,610
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,150/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,622 · Scale 2, in force from 26 Feb 2026)