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$31,810
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,799
−HK$1,006/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$2,057/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$963/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,266
+HK$1,966/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,359
−HK$1,207/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,155/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,119
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,534
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,919
−HK$1,408/mo
Today · 4.125%
HK$47,327
baseline
▲ 0.50% · 4.625%
HK$50,206
+HK$2,879/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,654/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,543
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,872
−HK$1,348/mo
Today · 4.125%
HK$52,220
baseline
▲ 0.50% · 4.625%
HK$54,973
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,440/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,258
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,039
−HK$1,809/mo
Today · 4.125%
HK$60,848
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,703/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,696/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,699
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,407
−HK$1,733/mo
Today · 4.125%
HK$67,140
baseline
▲ 0.50% · 4.625%
HK$70,679
+HK$3,539/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,280/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,131 · Scale 2, in force from 26 Feb 2026)