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$31,814
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$1,006/mo
Today · 4.125%
HK$33,809
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$2,057/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,618/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,392
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$963/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,271
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,176
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,206/mo
Today · 4.125%
HK$40,570
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,140/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,610
−HK$1,155/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,539
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,924
−HK$1,408/mo
Today · 4.125%
HK$47,332
baseline
▲ 0.50% · 4.625%
HK$50,212
+HK$2,880/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,664/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,549
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,878
−HK$1,348/mo
Today · 4.125%
HK$52,226
baseline
▲ 0.50% · 4.625%
HK$54,979
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,452/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,046
−HK$1,809/mo
Today · 4.125%
HK$60,855
baseline
▲ 0.50% · 4.625%
HK$64,558
+HK$3,703/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,710/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,706
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,415
−HK$1,733/mo
Today · 4.125%
HK$67,148
baseline
▲ 0.50% · 4.625%
HK$70,687
+HK$3,539/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,296/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,191 · Scale 2, in force from 26 Feb 2026)