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$31,739
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$1,003/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$961/mo
Today · 4.125%
HK$37,217
baseline
▲ 0.50% · 4.625%
HK$39,179
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,434/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,087
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,203/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,938
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,371
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,508
−HK$1,152/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,015
+HK$2,355/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,320/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,435
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,817
−HK$1,404/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$50,094
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,433
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,759
−HK$1,345/mo
Today · 4.125%
HK$52,104
baseline
▲ 0.50% · 4.625%
HK$54,850
+HK$2,746/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,208/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,130
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,907
−HK$1,806/mo
Today · 4.125%
HK$60,713
baseline
▲ 0.50% · 4.625%
HK$64,407
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,426/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,557
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,262
−HK$1,729/mo
Today · 4.125%
HK$66,991
baseline
▲ 0.50% · 4.625%
HK$70,522
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,982/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,966 · Scale 2, in force from 26 Feb 2026)