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$31,838
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$1,006/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,893
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,419
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,369
−HK$963/mo
Today · 4.125%
HK$37,332
baseline
▲ 0.50% · 4.625%
HK$39,300
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,664/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,205
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,393
−HK$1,208/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,503
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,643
−HK$1,156/mo
Today · 4.125%
HK$44,799
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,598/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,573
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,959
−HK$1,409/mo
Today · 4.125%
HK$47,368
baseline
▲ 0.50% · 4.625%
HK$50,250
+HK$2,882/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,736/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,586
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,916
−HK$1,349/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,020
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,308
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,090
−HK$1,811/mo
Today · 4.125%
HK$60,901
baseline
▲ 0.50% · 4.625%
HK$64,607
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,802/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,754
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,464
−HK$1,734/mo
Today · 4.125%
HK$67,198
baseline
▲ 0.50% · 4.625%
HK$70,741
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,396/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,585 · Scale 2, in force from 26 Feb 2026)