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$31,807
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$1,005/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$2,057/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,334
−HK$963/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,206/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,463
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,156/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,530
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,916
−HK$1,407/mo
Today · 4.125%
HK$47,323
baseline
▲ 0.50% · 4.625%
HK$50,202
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,646/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,540
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,348/mo
Today · 4.125%
HK$52,216
baseline
▲ 0.50% · 4.625%
HK$54,968
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,432/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,253
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,034
−HK$1,810/mo
Today · 4.125%
HK$60,844
baseline
▲ 0.50% · 4.625%
HK$64,546
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,688/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,694
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,402
−HK$1,733/mo
Today · 4.125%
HK$67,135
baseline
▲ 0.50% · 4.625%
HK$70,674
+HK$3,539/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,270/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,090 · Scale 2, in force from 26 Feb 2026)