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$31,832
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$1,006/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$963/mo
Today · 4.125%
HK$37,326
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,652/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,199
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,387
−HK$1,207/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$43,064
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,635
−HK$1,157/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,565
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,409/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$50,241
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,578
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,908
−HK$1,349/mo
Today · 4.125%
HK$52,257
baseline
▲ 0.50% · 4.625%
HK$55,011
+HK$2,754/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,514/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,298
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,811/mo
Today · 4.125%
HK$60,891
baseline
▲ 0.50% · 4.625%
HK$64,596
+HK$3,705/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,782/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,743
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$1,734/mo
Today · 4.125%
HK$67,187
baseline
▲ 0.50% · 4.625%
HK$70,729
+HK$3,542/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,374/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,497 · Scale 2, in force from 26 Feb 2026)