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$31,815
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,805
−HK$1,005/mo
Today · 4.125%
HK$33,810
baseline
▲ 0.50% · 4.625%
HK$35,868
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,620/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,394
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,344
−HK$963/mo
Today · 4.125%
HK$37,307
baseline
▲ 0.50% · 4.625%
HK$39,273
+HK$1,966/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,614/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,178
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,207/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,473
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,156/mo
Today · 4.125%
HK$44,768
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,536/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,541
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,927
−HK$1,408/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$50,215
+HK$2,880/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,552
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,881
−HK$1,348/mo
Today · 4.125%
HK$52,229
baseline
▲ 0.50% · 4.625%
HK$54,982
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,458/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,268
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,049
−HK$1,810/mo
Today · 4.125%
HK$60,859
baseline
▲ 0.50% · 4.625%
HK$64,562
+HK$3,703/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,718/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,710
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,418
−HK$1,734/mo
Today · 4.125%
HK$67,152
baseline
▲ 0.50% · 4.625%
HK$70,691
+HK$3,539/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,304/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,220 · Scale 2, in force from 26 Feb 2026)