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$31,811
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$1,005/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$2,057/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,389
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,338
−HK$963/mo
Today · 4.125%
HK$37,301
baseline
▲ 0.50% · 4.625%
HK$39,267
+HK$1,966/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,602/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,173
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,360
−HK$1,207/mo
Today · 4.125%
HK$40,567
baseline
▲ 0.50% · 4.625%
HK$43,035
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,134/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,467
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,606
−HK$1,155/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,121
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,535
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,920
−HK$1,408/mo
Today · 4.125%
HK$47,328
baseline
▲ 0.50% · 4.625%
HK$50,207
+HK$2,879/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,656/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,545
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,873
−HK$1,348/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$54,974
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,259
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,040
−HK$1,810/mo
Today · 4.125%
HK$60,850
baseline
▲ 0.50% · 4.625%
HK$64,552
+HK$3,702/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,700/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,700
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,409
−HK$1,733/mo
Today · 4.125%
HK$67,142
baseline
▲ 0.50% · 4.625%
HK$70,681
+HK$3,539/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,284/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,143 · Scale 2, in force from 26 Feb 2026)