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$31,737
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$1,003/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,780
+HK$2,053/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,254
−HK$961/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,177
+HK$1,962/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,269
−HK$1,204/mo
Today · 4.125%
HK$40,473
baseline
▲ 0.50% · 4.625%
HK$42,936
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,946/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,369
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,505
−HK$1,153/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,012
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,432
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,814
−HK$1,404/mo
Today · 4.125%
HK$47,218
baseline
▲ 0.50% · 4.625%
HK$50,091
+HK$2,873/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$94,436/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,430
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,756
−HK$1,345/mo
Today · 4.125%
HK$52,101
baseline
▲ 0.50% · 4.625%
HK$54,847
+HK$2,746/mo
Deposit HK$4.18M · loan HK$9.74M · min. income ≈ HK$104,202/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,127
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,904
−HK$1,805/mo
Today · 4.125%
HK$60,709
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,694/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$121,418/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,553
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,258
−HK$1,729/mo
Today · 4.125%
HK$66,987
baseline
▲ 0.50% · 4.625%
HK$70,518
+HK$3,531/mo
Deposit HK$1.39M · loan HK$12.53M · min. income ≈ HK$133,974/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,935 · Scale 2, in force from 26 Feb 2026)