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$31,719
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$1,003/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,759
+HK$2,051/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,287
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,233
−HK$960/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,063
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,203/mo
Today · 4.125%
HK$40,449
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,462/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,898/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,344
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,152/mo
Today · 4.125%
HK$44,632
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,264/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,406
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,788
−HK$1,403/mo
Today · 4.125%
HK$47,191
baseline
▲ 0.50% · 4.625%
HK$50,062
+HK$2,871/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,382/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,402
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,726
−HK$1,345/mo
Today · 4.125%
HK$52,071
baseline
▲ 0.50% · 4.625%
HK$54,815
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,142/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,094
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,804/mo
Today · 4.125%
HK$60,674
baseline
▲ 0.50% · 4.625%
HK$64,366
+HK$3,692/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,348/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,516
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,220
−HK$1,728/mo
Today · 4.125%
HK$66,948
baseline
▲ 0.50% · 4.625%
HK$70,477
+HK$3,529/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,896/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,632 · Scale 2, in force from 26 Feb 2026)