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$1,994/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$1,005/mo
Today · 4.125%
HK$33,807
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,614/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,391
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$963/mo
Today · 4.125%
HK$37,303
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$1,966/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,606/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,175
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,207/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$43,037
+HK$2,468/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$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,469
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,608
−HK$1,156/mo
Today · 4.125%
HK$44,764
baseline
▲ 0.50% · 4.625%
HK$47,123
+HK$2,359/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$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,923
−HK$1,407/mo
Today · 4.125%
HK$47,330
baseline
▲ 0.50% · 4.625%
HK$50,210
+HK$2,880/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,660/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,548
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,876
−HK$1,348/mo
Today · 4.125%
HK$52,224
baseline
▲ 0.50% · 4.625%
HK$54,977
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,448/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,263
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,044
−HK$1,809/mo
Today · 4.125%
HK$60,853
baseline
▲ 0.50% · 4.625%
HK$64,556
+HK$3,703/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,706/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,704
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,413
−HK$1,733/mo
Today · 4.125%
HK$67,146
baseline
▲ 0.50% · 4.625%
HK$70,685
+HK$3,539/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$523,174 · Scale 2, in force from 26 Feb 2026)