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$31,749
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$1,003/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,793
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$961/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,192
+HK$1,963/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,099
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,204/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,952
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,522
−HK$1,153/mo
Today · 4.125%
HK$44,675
baseline
▲ 0.50% · 4.625%
HK$47,030
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,350/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,449
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,832
−HK$1,405/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$50,111
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,449
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,776
−HK$1,345/mo
Today · 4.125%
HK$52,121
baseline
▲ 0.50% · 4.625%
HK$54,868
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,242/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,149
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,927
−HK$1,806/mo
Today · 4.125%
HK$60,733
baseline
▲ 0.50% · 4.625%
HK$64,428
+HK$3,695/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,466/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,578
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,283
−HK$1,730/mo
Today · 4.125%
HK$67,013
baseline
▲ 0.50% · 4.625%
HK$70,545
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,026/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,136 · Scale 2, in force from 26 Feb 2026)