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$31,828
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,818
−HK$1,006/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,358
−HK$964/mo
Today · 4.125%
HK$37,322
baseline
▲ 0.50% · 4.625%
HK$39,289
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,644/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,382
−HK$1,207/mo
Today · 4.125%
HK$40,589
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,178/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,491
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,630
−HK$1,156/mo
Today · 4.125%
HK$44,786
baseline
▲ 0.50% · 4.625%
HK$47,147
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,572/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,560
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,408/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$50,235
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,902
−HK$1,349/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,005
+HK$2,754/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,502/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,291
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,073
−HK$1,811/mo
Today · 4.125%
HK$60,884
baseline
▲ 0.50% · 4.625%
HK$64,588
+HK$3,704/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,768/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,736
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,445
−HK$1,734/mo
Today · 4.125%
HK$67,179
baseline
▲ 0.50% · 4.625%
HK$70,720
+HK$3,541/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,358/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,435 · Scale 2, in force from 26 Feb 2026)