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$31,782
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,770
−HK$1,005/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,305
−HK$962/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,324
−HK$1,205/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,996
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,154/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.36M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,494
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,878
−HK$1,406/mo
Today · 4.125%
HK$47,284
baseline
▲ 0.50% · 4.625%
HK$50,162
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,568/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,499
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,827
−HK$1,347/mo
Today · 4.125%
HK$52,174
baseline
▲ 0.50% · 4.625%
HK$54,924
+HK$2,750/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,348/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,207
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,986
−HK$1,808/mo
Today · 4.125%
HK$60,794
baseline
▲ 0.50% · 4.625%
HK$64,493
+HK$3,699/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,588/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,642
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,349
−HK$1,731/mo
Today · 4.125%
HK$67,080
baseline
▲ 0.50% · 4.625%
HK$70,616
+HK$3,536/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,160/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,665 · Scale 2, in force from 26 Feb 2026)