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$31,847
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,837
−HK$1,007/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,379
−HK$964/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,405
−HK$1,207/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$43,084
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,515
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,655
−HK$1,157/mo
Today · 4.125%
HK$44,812
baseline
▲ 0.50% · 4.625%
HK$47,174
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,624/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,585
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,972
−HK$1,409/mo
Today · 4.125%
HK$47,381
baseline
▲ 0.50% · 4.625%
HK$50,264
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,762/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,601
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,931
−HK$1,349/mo
Today · 4.125%
HK$52,280
baseline
▲ 0.50% · 4.625%
HK$55,036
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,560/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,324
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,107
−HK$1,812/mo
Today · 4.125%
HK$60,919
baseline
▲ 0.50% · 4.625%
HK$64,625
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,838/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,772
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,483
−HK$1,735/mo
Today · 4.125%
HK$67,218
baseline
▲ 0.50% · 4.625%
HK$70,761
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,436/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,734 · Scale 2, in force from 26 Feb 2026)