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$31,825
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$1,006/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,405
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$963/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,190
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,207/mo
Today · 4.125%
HK$40,585
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,170/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,486
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,156/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,555
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,941
−HK$1,408/mo
Today · 4.125%
HK$47,349
baseline
▲ 0.50% · 4.625%
HK$50,230
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,698/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,567
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,897
−HK$1,348/mo
Today · 4.125%
HK$52,245
baseline
▲ 0.50% · 4.625%
HK$54,999
+HK$2,754/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,490/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,285
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,067
−HK$1,811/mo
Today · 4.125%
HK$60,878
baseline
▲ 0.50% · 4.625%
HK$64,582
+HK$3,704/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,756/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,729
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,438
−HK$1,734/mo
Today · 4.125%
HK$67,172
baseline
▲ 0.50% · 4.625%
HK$70,713
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,344/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,382 · Scale 2, in force from 26 Feb 2026)