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$31,852
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,843
−HK$1,007/mo
Today · 4.125%
HK$33,850
baseline
▲ 0.50% · 4.625%
HK$35,909
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,700/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,435
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,386
−HK$964/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,318
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,208/mo
Today · 4.125%
HK$40,620
baseline
▲ 0.50% · 4.625%
HK$43,091
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,240/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,522
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,663
−HK$1,157/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,182
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,593
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,980
−HK$1,409/mo
Today · 4.125%
HK$47,389
baseline
▲ 0.50% · 4.625%
HK$50,273
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,778/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,609
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,940
−HK$1,350/mo
Today · 4.125%
HK$52,290
baseline
▲ 0.50% · 4.625%
HK$55,046
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,580/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,334
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,117
−HK$1,812/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,637
+HK$3,708/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,783
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,494
−HK$1,735/mo
Today · 4.125%
HK$67,229
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,458/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,826 · Scale 2, in force from 26 Feb 2026)