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$31,810
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,799
−HK$1,005/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,861
+HK$2,057/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$963/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,266
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,171
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,359
−HK$1,206/mo
Today · 4.125%
HK$40,565
baseline
▲ 0.50% · 4.625%
HK$43,033
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,130/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,465
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,604
−HK$1,156/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,119
+HK$2,359/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,533
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,919
−HK$1,407/mo
Today · 4.125%
HK$47,326
baseline
▲ 0.50% · 4.625%
HK$50,206
+HK$2,880/mo
Deposit HK$4.18M · loan HK$9.77M · min. income ≈ HK$94,652/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,543
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,872
−HK$1,348/mo
Today · 4.125%
HK$52,220
baseline
▲ 0.50% · 4.625%
HK$54,972
+HK$2,752/mo
Deposit HK$4.18M · loan HK$9.77M · min. income ≈ HK$104,440/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,257
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,038
−HK$1,810/mo
Today · 4.125%
HK$60,848
baseline
▲ 0.50% · 4.625%
HK$64,550
+HK$3,702/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,696/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,698
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,406
−HK$1,734/mo
Today · 4.125%
HK$67,140
baseline
▲ 0.50% · 4.625%
HK$70,679
+HK$3,539/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,280/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,126 · Scale 2, in force from 26 Feb 2026)