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$31,809
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$1,006/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,861
+HK$2,057/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,387
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,336
−HK$963/mo
Today · 4.125%
HK$37,299
baseline
▲ 0.50% · 4.625%
HK$39,265
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,598/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,171
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,358
−HK$1,206/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$43,033
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,465
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,603
−HK$1,156/mo
Today · 4.125%
HK$44,759
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,518/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,533
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,407/mo
Today · 4.125%
HK$47,325
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,880/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,650/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,542
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,871
−HK$1,348/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$54,971
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,256
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,037
−HK$1,810/mo
Today · 4.125%
HK$60,847
baseline
▲ 0.50% · 4.625%
HK$64,549
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,694/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,697
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,405
−HK$1,733/mo
Today · 4.125%
HK$67,138
baseline
▲ 0.50% · 4.625%
HK$70,677
+HK$3,539/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,276/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,116 · Scale 2, in force from 26 Feb 2026)