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$31,835
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,825
−HK$1,006/mo
Today · 4.125%
HK$33,831
baseline
▲ 0.50% · 4.625%
HK$35,890
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,662/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,416
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,366
−HK$963/mo
Today · 4.125%
HK$37,329
baseline
▲ 0.50% · 4.625%
HK$39,297
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,658/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,207/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,471/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,499
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,639
−HK$1,156/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,156
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,569
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,955
−HK$1,409/mo
Today · 4.125%
HK$47,364
baseline
▲ 0.50% · 4.625%
HK$50,246
+HK$2,882/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,728/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,582
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,912
−HK$1,349/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,016
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,303
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,085
−HK$1,811/mo
Today · 4.125%
HK$60,896
baseline
▲ 0.50% · 4.625%
HK$64,602
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,792/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,749
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,458
−HK$1,735/mo
Today · 4.125%
HK$67,193
baseline
▲ 0.50% · 4.625%
HK$70,735
+HK$3,542/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,386/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,542 · Scale 2, in force from 26 Feb 2026)