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$31,808
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$1,005/mo
Today · 4.125%
HK$33,803
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$2,057/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,606/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,387
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,336
−HK$962/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,265
+HK$1,967/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,170
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,357
−HK$1,207/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$43,032
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,464
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,603
−HK$1,155/mo
Today · 4.125%
HK$44,758
baseline
▲ 0.50% · 4.625%
HK$47,117
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,516/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,532
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,407/mo
Today · 4.125%
HK$47,324
baseline
▲ 0.50% · 4.625%
HK$50,204
+HK$2,880/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,648/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,541
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,870
−HK$1,348/mo
Today · 4.125%
HK$52,218
baseline
▲ 0.50% · 4.625%
HK$54,970
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,436/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,255
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,036
−HK$1,810/mo
Today · 4.125%
HK$60,846
baseline
▲ 0.50% · 4.625%
HK$64,548
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,692/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,696
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,404
−HK$1,733/mo
Today · 4.125%
HK$67,137
baseline
▲ 0.50% · 4.625%
HK$70,676
+HK$3,539/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,274/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,108 · Scale 2, in force from 26 Feb 2026)