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$31,833
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$1,006/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,364
−HK$963/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,199
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,388
−HK$1,207/mo
Today · 4.125%
HK$40,595
baseline
▲ 0.50% · 4.625%
HK$43,065
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,190/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,156/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,154
+HK$2,362/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,566
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,952
−HK$1,409/mo
Today · 4.125%
HK$47,361
baseline
▲ 0.50% · 4.625%
HK$50,242
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,722/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,579
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,909
−HK$1,349/mo
Today · 4.125%
HK$52,258
baseline
▲ 0.50% · 4.625%
HK$55,012
+HK$2,754/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,516/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,299
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,081
−HK$1,811/mo
Today · 4.125%
HK$60,892
baseline
▲ 0.50% · 4.625%
HK$64,597
+HK$3,705/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,784/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,745
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,454
−HK$1,735/mo
Today · 4.125%
HK$67,189
baseline
▲ 0.50% · 4.625%
HK$70,730
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,378/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,508 · Scale 2, in force from 26 Feb 2026)