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$523,087 · 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$523,087 · 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$43,030
+HK$2,468/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$523,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,155/mo
Today · 4.125%
HK$44,756
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,512/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,530
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,915
−HK$1,408/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$523,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,539
−HK$2,677/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$523,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,253
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,034
−HK$1,809/mo
Today · 4.125%
HK$60,843
baseline
▲ 0.50% · 4.625%
HK$64,545
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,686/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,693
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,402
−HK$1,733/mo
Today · 4.125%
HK$67,135
baseline
▲ 0.50% · 4.625%
HK$70,673
+HK$3,538/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$523,087 · Scale 2, in force from 26 Feb 2026)