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$31,849
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$1,007/mo
Today · 4.125%
HK$33,846
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,692/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,382
−HK$964/mo
Today · 4.125%
HK$37,346
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,692/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,218
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,208/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,157/mo
Today · 4.125%
HK$44,815
baseline
▲ 0.50% · 4.625%
HK$47,177
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,630/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,588
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,409/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$50,268
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,604
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,934
−HK$1,350/mo
Today · 4.125%
HK$52,284
baseline
▲ 0.50% · 4.625%
HK$55,040
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,568/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,328
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,111
−HK$1,812/mo
Today · 4.125%
HK$60,923
baseline
▲ 0.50% · 4.625%
HK$64,630
+HK$3,707/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,846/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,777
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,487
−HK$1,735/mo
Today · 4.125%
HK$67,222
baseline
▲ 0.50% · 4.625%
HK$70,766
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,444/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,770 · Scale 2, in force from 26 Feb 2026)