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$31,854
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,845
−HK$1,007/mo
Today · 4.125%
HK$33,852
baseline
▲ 0.50% · 4.625%
HK$35,911
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,704/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,437
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,388
−HK$964/mo
Today · 4.125%
HK$37,352
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,704/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,414
−HK$1,208/mo
Today · 4.125%
HK$40,622
baseline
▲ 0.50% · 4.625%
HK$43,094
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,244/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,525
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,665
−HK$1,157/mo
Today · 4.125%
HK$44,822
baseline
▲ 0.50% · 4.625%
HK$47,185
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,644/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,409/mo
Today · 4.125%
HK$47,392
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,784/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,612
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,350/mo
Today · 4.125%
HK$52,293
baseline
▲ 0.50% · 4.625%
HK$55,049
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,586/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,337
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,121
−HK$1,812/mo
Today · 4.125%
HK$60,933
baseline
▲ 0.50% · 4.625%
HK$64,640
+HK$3,707/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,866/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,787
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,498
−HK$1,735/mo
Today · 4.125%
HK$67,233
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,466/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,856 · Scale 2, in force from 26 Feb 2026)