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$31,819
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,809
−HK$1,006/mo
Today · 4.125%
HK$33,815
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$2,057/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,630/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,399
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$963/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,278
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,622/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,183
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,371
−HK$1,207/mo
Today · 4.125%
HK$40,578
baseline
▲ 0.50% · 4.625%
HK$43,047
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,156/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,479
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,618
−HK$1,156/mo
Today · 4.125%
HK$44,774
baseline
▲ 0.50% · 4.625%
HK$47,134
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,548/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,547
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,933
−HK$1,408/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,880/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,558
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,888
−HK$1,348/mo
Today · 4.125%
HK$52,236
baseline
▲ 0.50% · 4.625%
HK$54,989
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,472/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,275
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,057
−HK$1,810/mo
Today · 4.125%
HK$60,867
baseline
▲ 0.50% · 4.625%
HK$64,570
+HK$3,703/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,734/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,718
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,427
−HK$1,733/mo
Today · 4.125%
HK$67,160
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,320/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,289 · Scale 2, in force from 26 Feb 2026)