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$31,786
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$1,005/mo
Today · 4.125%
HK$33,779
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,558/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,361
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$962/mo
Today · 4.125%
HK$37,272
baseline
▲ 0.50% · 4.625%
HK$39,236
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,544/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,143
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,329
−HK$1,206/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$43,001
+HK$2,466/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,433
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,154/mo
Today · 4.125%
HK$44,726
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,452/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,500
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,884
−HK$1,406/mo
Today · 4.125%
HK$47,290
baseline
▲ 0.50% · 4.625%
HK$50,168
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,580/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,506
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,833
−HK$1,347/mo
Today · 4.125%
HK$52,180
baseline
▲ 0.50% · 4.625%
HK$54,931
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,360/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,214
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,808/mo
Today · 4.125%
HK$60,802
baseline
▲ 0.50% · 4.625%
HK$64,502
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,604/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,650
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,357
−HK$1,732/mo
Today · 4.125%
HK$67,089
baseline
▲ 0.50% · 4.625%
HK$70,625
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,178/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,732 · Scale 2, in force from 26 Feb 2026)