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$31,772
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,760
−HK$1,004/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$2,055/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,346
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,294
−HK$961/mo
Today · 4.125%
HK$37,255
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$1,964/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,510/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,126
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,312
−HK$1,205/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,982
+HK$2,465/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,154/mo
Today · 4.125%
HK$44,706
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,357/mo
Deposit HK$5.57M · loan HK$8.36M · min. income ≈ HK$89,412/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,480
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,864
−HK$1,406/mo
Today · 4.125%
HK$47,270
baseline
▲ 0.50% · 4.625%
HK$50,146
+HK$2,876/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$94,540/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,484
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,811
−HK$1,347/mo
Today · 4.125%
HK$52,158
baseline
▲ 0.50% · 4.625%
HK$54,907
+HK$2,749/mo
Deposit HK$4.18M · loan HK$9.75M · min. income ≈ HK$104,316/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,189
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,968
−HK$1,807/mo
Today · 4.125%
HK$60,775
baseline
▲ 0.50% · 4.625%
HK$64,473
+HK$3,698/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$121,550/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,622
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,329
−HK$1,731/mo
Today · 4.125%
HK$67,060
baseline
▲ 0.50% · 4.625%
HK$70,595
+HK$3,535/mo
Deposit HK$1.39M · loan HK$12.54M · min. income ≈ HK$134,120/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,504 · Scale 2, in force from 26 Feb 2026)