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$31,807
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,796
−HK$1,006/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,858
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,334
−HK$963/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,206/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$43,030
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,155/mo
Today · 4.125%
HK$44,756
baseline
▲ 0.50% · 4.625%
HK$47,115
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,512/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,530
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,915
−HK$1,407/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$50,202
+HK$2,880/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,539
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,347/mo
Today · 4.125%
HK$52,215
baseline
▲ 0.50% · 4.625%
HK$54,968
+HK$2,753/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,430/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,253
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,033
−HK$1,810/mo
Today · 4.125%
HK$60,843
baseline
▲ 0.50% · 4.625%
HK$64,545
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,686/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,693
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,401
−HK$1,733/mo
Today · 4.125%
HK$67,134
baseline
▲ 0.50% · 4.625%
HK$70,673
+HK$3,539/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,268/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,083 · Scale 2, in force from 26 Feb 2026)