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$31,748
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$1,003/mo
Today · 4.125%
HK$33,739
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,478/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,320
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,267
−HK$961/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,190
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,098
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,283
−HK$1,204/mo
Today · 4.125%
HK$40,487
baseline
▲ 0.50% · 4.625%
HK$42,951
+HK$2,464/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,974/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,384
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,520
−HK$1,153/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,448
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,405/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,874/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,447
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,345/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$54,866
+HK$2,747/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,806/mo
Today · 4.125%
HK$60,730
baseline
▲ 0.50% · 4.625%
HK$64,426
+HK$3,696/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,460/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,575
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,280
−HK$1,730/mo
Today · 4.125%
HK$67,010
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$3,532/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$134,020/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$522,117 · Scale 2, in force from 26 Feb 2026)