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$31,831
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$1,006/mo
Today · 4.125%
HK$33,827
baseline
▲ 0.50% · 4.625%
HK$35,885
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,654/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,411
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,361
−HK$964/mo
Today · 4.125%
HK$37,325
baseline
▲ 0.50% · 4.625%
HK$39,292
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,650/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,197
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,385
−HK$1,207/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$43,062
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,633
−HK$1,156/mo
Today · 4.125%
HK$44,789
baseline
▲ 0.50% · 4.625%
HK$47,150
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,578/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,409/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$50,239
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,576
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,906
−HK$1,348/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,508/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,295
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,810/mo
Today · 4.125%
HK$60,888
baseline
▲ 0.50% · 4.625%
HK$64,593
+HK$3,705/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,776/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,740
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,450
−HK$1,734/mo
Today · 4.125%
HK$67,184
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$3,542/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,368/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,473 · Scale 2, in force from 26 Feb 2026)