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$31,774
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,763
−HK$1,004/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,822
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,349
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,297
−HK$962/mo
Today · 4.125%
HK$37,259
baseline
▲ 0.50% · 4.625%
HK$39,223
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,518/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,129
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,315
−HK$1,205/mo
Today · 4.125%
HK$40,520
baseline
▲ 0.50% · 4.625%
HK$42,986
+HK$2,466/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,040/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,419
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,556
−HK$1,154/mo
Today · 4.125%
HK$44,710
baseline
▲ 0.50% · 4.625%
HK$47,067
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,420/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,484
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,868
−HK$1,406/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$50,150
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,488
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,816
−HK$1,346/mo
Today · 4.125%
HK$52,162
baseline
▲ 0.50% · 4.625%
HK$54,912
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,324/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,194
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,973
−HK$1,808/mo
Today · 4.125%
HK$60,781
baseline
▲ 0.50% · 4.625%
HK$64,479
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,562/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,628
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$1,731/mo
Today · 4.125%
HK$67,065
baseline
▲ 0.50% · 4.625%
HK$70,601
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,130/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,548 · Scale 2, in force from 26 Feb 2026)