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$31,830
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$1,006/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,884
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,410
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,360
−HK$963/mo
Today · 4.125%
HK$37,323
baseline
▲ 0.50% · 4.625%
HK$39,291
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,646/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,384
−HK$1,207/mo
Today · 4.125%
HK$40,591
baseline
▲ 0.50% · 4.625%
HK$43,061
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,182/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,492
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,156/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,149
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,562
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,948
−HK$1,408/mo
Today · 4.125%
HK$47,356
baseline
▲ 0.50% · 4.625%
HK$50,237
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,712/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,574
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,904
−HK$1,349/mo
Today · 4.125%
HK$52,253
baseline
▲ 0.50% · 4.625%
HK$55,007
+HK$2,754/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,506/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,293
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,810/mo
Today · 4.125%
HK$60,886
baseline
▲ 0.50% · 4.625%
HK$64,591
+HK$3,705/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,772/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,738
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$1,734/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$70,723
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,456 · Scale 2, in force from 26 Feb 2026)