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$31,855
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,846
−HK$1,006/mo
Today · 4.125%
HK$33,852
baseline
▲ 0.50% · 4.625%
HK$35,912
+HK$2,060/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,704/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,438
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,389
−HK$964/mo
Today · 4.125%
HK$37,353
baseline
▲ 0.50% · 4.625%
HK$39,322
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,706/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,226
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,415
−HK$1,208/mo
Today · 4.125%
HK$40,623
baseline
▲ 0.50% · 4.625%
HK$43,095
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,246/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,526
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,157/mo
Today · 4.125%
HK$44,823
baseline
▲ 0.50% · 4.625%
HK$47,186
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,646/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,597
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,984
−HK$1,409/mo
Today · 4.125%
HK$47,393
baseline
▲ 0.50% · 4.625%
HK$50,277
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,786/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,613
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,944
−HK$1,350/mo
Today · 4.125%
HK$52,294
baseline
▲ 0.50% · 4.625%
HK$55,050
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,588/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,339
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,122
−HK$1,812/mo
Today · 4.125%
HK$60,934
baseline
▲ 0.50% · 4.625%
HK$64,642
+HK$3,708/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,868/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,789
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,499
−HK$1,736/mo
Today · 4.125%
HK$67,235
baseline
▲ 0.50% · 4.625%
HK$70,779
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,470/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,869 · Scale 2, in force from 26 Feb 2026)