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$31,841
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$1,006/mo
Today · 4.125%
HK$33,837
baseline
▲ 0.50% · 4.625%
HK$35,896
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,674/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,422
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$964/mo
Today · 4.125%
HK$37,336
baseline
▲ 0.50% · 4.625%
HK$39,304
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,672/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,208/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$43,075
+HK$2,470/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,507
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,156/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,577
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,963
−HK$1,409/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$50,255
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,591
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,350/mo
Today · 4.125%
HK$52,271
baseline
▲ 0.50% · 4.625%
HK$55,026
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,542/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,313
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,096
−HK$1,811/mo
Today · 4.125%
HK$60,907
baseline
▲ 0.50% · 4.625%
HK$64,613
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,814/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,760
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,470
−HK$1,735/mo
Today · 4.125%
HK$67,205
baseline
▲ 0.50% · 4.625%
HK$70,748
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,410/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,636 · Scale 2, in force from 26 Feb 2026)