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$31,805
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$1,005/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$2,057/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,383
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,332
−HK$962/mo
Today · 4.125%
HK$37,294
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,588/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,166
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,353
−HK$1,206/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$43,027
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,459
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,598
−HK$1,155/mo
Today · 4.125%
HK$44,753
baseline
▲ 0.50% · 4.625%
HK$47,112
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,506/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,527
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,912
−HK$1,407/mo
Today · 4.125%
HK$47,319
baseline
▲ 0.50% · 4.625%
HK$50,198
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,638/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,536
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,864
−HK$1,348/mo
Today · 4.125%
HK$52,212
baseline
▲ 0.50% · 4.625%
HK$54,964
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,424/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,249
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,030
−HK$1,809/mo
Today · 4.125%
HK$60,839
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,702/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,678/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,689
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,397
−HK$1,733/mo
Today · 4.125%
HK$67,130
baseline
▲ 0.50% · 4.625%
HK$70,668
+HK$3,538/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,260/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,048 · Scale 2, in force from 26 Feb 2026)