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$31,797
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$1,005/mo
Today · 4.125%
HK$33,791
baseline
▲ 0.50% · 4.625%
HK$35,847
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,582/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,374
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,323
−HK$962/mo
Today · 4.125%
HK$37,285
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,570/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,343
−HK$1,206/mo
Today · 4.125%
HK$40,549
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,098/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,449
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,587
−HK$1,155/mo
Today · 4.125%
HK$44,742
baseline
▲ 0.50% · 4.625%
HK$47,100
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,484/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,516
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,407/mo
Today · 4.125%
HK$47,307
baseline
▲ 0.50% · 4.625%
HK$50,186
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,614/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,523
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,852
−HK$1,347/mo
Today · 4.125%
HK$52,199
baseline
▲ 0.50% · 4.625%
HK$54,950
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,398/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,235
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,015
−HK$1,809/mo
Today · 4.125%
HK$60,824
baseline
▲ 0.50% · 4.625%
HK$64,525
+HK$3,701/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,648/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,673
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,381
−HK$1,732/mo
Today · 4.125%
HK$67,113
baseline
▲ 0.50% · 4.625%
HK$70,651
+HK$3,538/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,226/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,918 · Scale 2, in force from 26 Feb 2026)