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$31,829
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,819
−HK$1,006/mo
Today · 4.125%
HK$33,825
baseline
▲ 0.50% · 4.625%
HK$35,883
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,650/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$963/mo
Today · 4.125%
HK$37,322
baseline
▲ 0.50% · 4.625%
HK$39,290
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,644/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,195
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,383
−HK$1,207/mo
Today · 4.125%
HK$40,590
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,180/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,491
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,631
−HK$1,156/mo
Today · 4.125%
HK$44,787
baseline
▲ 0.50% · 4.625%
HK$47,148
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,574/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,560
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,409/mo
Today · 4.125%
HK$47,355
baseline
▲ 0.50% · 4.625%
HK$50,236
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,710/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,573
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,903
−HK$1,348/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,006
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,502/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,292
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,074
−HK$1,811/mo
Today · 4.125%
HK$60,885
baseline
▲ 0.50% · 4.625%
HK$64,589
+HK$3,704/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,770/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,737
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,446
−HK$1,734/mo
Today · 4.125%
HK$67,180
baseline
▲ 0.50% · 4.625%
HK$70,721
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,360/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,443 · Scale 2, in force from 26 Feb 2026)