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$31,804
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$1,006/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,855
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,331
−HK$962/mo
Today · 4.125%
HK$37,293
baseline
▲ 0.50% · 4.625%
HK$39,259
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,586/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,165
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,352
−HK$1,206/mo
Today · 4.125%
HK$40,558
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,116/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,458
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,597
−HK$1,155/mo
Today · 4.125%
HK$44,752
baseline
▲ 0.50% · 4.625%
HK$47,111
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,504/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,526
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,911
−HK$1,407/mo
Today · 4.125%
HK$47,318
baseline
▲ 0.50% · 4.625%
HK$50,197
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,636/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,863
−HK$1,348/mo
Today · 4.125%
HK$52,211
baseline
▲ 0.50% · 4.625%
HK$54,963
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,422/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,247
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,028
−HK$1,809/mo
Today · 4.125%
HK$60,837
baseline
▲ 0.50% · 4.625%
HK$64,539
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,674/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,687
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,395
−HK$1,733/mo
Today · 4.125%
HK$67,128
baseline
▲ 0.50% · 4.625%
HK$70,666
+HK$3,538/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,256/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,036 · Scale 2, in force from 26 Feb 2026)