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$31,800
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,789
−HK$1,005/mo
Today · 4.125%
HK$33,794
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$2,057/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,588/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,377
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$963/mo
Today · 4.125%
HK$37,289
baseline
▲ 0.50% · 4.625%
HK$39,254
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,578/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,160
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,206/mo
Today · 4.125%
HK$40,553
baseline
▲ 0.50% · 4.625%
HK$43,021
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,106/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,453
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,155/mo
Today · 4.125%
HK$44,746
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,492/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,520
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,407/mo
Today · 4.125%
HK$47,312
baseline
▲ 0.50% · 4.625%
HK$50,191
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,624/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,528
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,857
−HK$1,347/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$54,956
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,240
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,021
−HK$1,809/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,531
+HK$3,701/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,679
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,387
−HK$1,732/mo
Today · 4.125%
HK$67,119
baseline
▲ 0.50% · 4.625%
HK$70,657
+HK$3,538/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,238/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,969 · Scale 2, in force from 26 Feb 2026)