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$31,813
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$1,006/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$2,057/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,391
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$963/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$1,966/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,175
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,206/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$43,038
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,155/mo
Today · 4.125%
HK$44,764
baseline
▲ 0.50% · 4.625%
HK$47,124
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,528/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,923
−HK$1,408/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$50,211
+HK$2,880/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,548
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,877
−HK$1,348/mo
Today · 4.125%
HK$52,225
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,450/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,263
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,044
−HK$1,810/mo
Today · 4.125%
HK$60,854
baseline
▲ 0.50% · 4.625%
HK$64,557
+HK$3,703/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,708/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,705
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,413
−HK$1,733/mo
Today · 4.125%
HK$67,146
baseline
▲ 0.50% · 4.625%
HK$70,686
+HK$3,540/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,292/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,179 · Scale 2, in force from 26 Feb 2026)