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$31,806
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$1,006/mo
Today · 4.125%
HK$33,801
baseline
▲ 0.50% · 4.625%
HK$35,857
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,602/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,384
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,333
−HK$963/mo
Today · 4.125%
HK$37,296
baseline
▲ 0.50% · 4.625%
HK$39,262
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,592/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,167
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,206/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,155/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,114
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,529
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,914
−HK$1,407/mo
Today · 4.125%
HK$47,321
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,642/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,538
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,866
−HK$1,348/mo
Today · 4.125%
HK$52,214
baseline
▲ 0.50% · 4.625%
HK$54,966
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,428/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,251
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,032
−HK$1,809/mo
Today · 4.125%
HK$60,841
baseline
▲ 0.50% · 4.625%
HK$64,543
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,682/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,691
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,399
−HK$1,733/mo
Today · 4.125%
HK$67,132
baseline
▲ 0.50% · 4.625%
HK$70,671
+HK$3,539/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,264/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,068 · Scale 2, in force from 26 Feb 2026)