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$31,730
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$1,003/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$2,051/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,299
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,246
−HK$960/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,167
+HK$1,961/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,203/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,463/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,359
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,495
−HK$1,152/mo
Today · 4.125%
HK$44,647
baseline
▲ 0.50% · 4.625%
HK$47,001
+HK$2,354/mo
Deposit HK$5.57M · loan HK$8.35M · min. income ≈ HK$89,294/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,422
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,403/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$50,080
+HK$2,873/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,419
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,744
−HK$1,345/mo
Today · 4.125%
HK$52,089
baseline
▲ 0.50% · 4.625%
HK$54,834
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,178/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,114
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,805/mo
Today · 4.125%
HK$60,695
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,693/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,390/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,538
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,242
−HK$1,729/mo
Today · 4.125%
HK$66,971
baseline
▲ 0.50% · 4.625%
HK$70,501
+HK$3,530/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,942/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,814 · Scale 2, in force from 26 Feb 2026)