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$31,827
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,817
−HK$1,006/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,408
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$964/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,288
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,193
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,381
−HK$1,207/mo
Today · 4.125%
HK$40,588
baseline
▲ 0.50% · 4.625%
HK$43,058
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,176/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,489
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,629
−HK$1,156/mo
Today · 4.125%
HK$44,785
baseline
▲ 0.50% · 4.625%
HK$47,145
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,570/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,558
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,944
−HK$1,409/mo
Today · 4.125%
HK$47,353
baseline
▲ 0.50% · 4.625%
HK$50,234
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,706/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,571
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,900
−HK$1,349/mo
Today · 4.125%
HK$52,249
baseline
▲ 0.50% · 4.625%
HK$55,003
+HK$2,754/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,498/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,289
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,071
−HK$1,811/mo
Today · 4.125%
HK$60,882
baseline
▲ 0.50% · 4.625%
HK$64,586
+HK$3,704/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,764/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,734
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,443
−HK$1,734/mo
Today · 4.125%
HK$67,177
baseline
▲ 0.50% · 4.625%
HK$70,718
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,354/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,419 · Scale 2, in force from 26 Feb 2026)