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$31,881
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,873
−HK$1,007/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,467
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$965/mo
Today · 4.125%
HK$37,383
baseline
▲ 0.50% · 4.625%
HK$39,354
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,766/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,257
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,209/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$43,130
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,312/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,561
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,702
−HK$1,158/mo
Today · 4.125%
HK$44,860
baseline
▲ 0.50% · 4.625%
HK$47,225
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,720/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,410/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,351/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,386
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,171
−HK$1,813/mo
Today · 4.125%
HK$60,984
baseline
▲ 0.50% · 4.625%
HK$64,695
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,968/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,841
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,553
−HK$1,737/mo
Today · 4.125%
HK$67,290
baseline
▲ 0.50% · 4.625%
HK$70,837
+HK$3,547/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,580/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,300 · Scale 2, in force from 26 Feb 2026)