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$31,820
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,810
−HK$1,006/mo
Today · 4.125%
HK$33,816
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$2,057/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,632/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$963/mo
Today · 4.125%
HK$37,312
baseline
▲ 0.50% · 4.625%
HK$39,279
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,624/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,207/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,480
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,156/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,548
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,934
−HK$1,408/mo
Today · 4.125%
HK$47,342
baseline
▲ 0.50% · 4.625%
HK$50,222
+HK$2,880/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,684/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,559
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,889
−HK$1,348/mo
Today · 4.125%
HK$52,237
baseline
▲ 0.50% · 4.625%
HK$54,990
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,474/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,276
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,058
−HK$1,810/mo
Today · 4.125%
HK$60,868
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,704/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,736/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,719
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,428
−HK$1,734/mo
Today · 4.125%
HK$67,162
baseline
▲ 0.50% · 4.625%
HK$70,702
+HK$3,540/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,324/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,299 · Scale 2, in force from 26 Feb 2026)