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$31,796
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,005/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,373
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$962/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$1,966/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,343
−HK$1,205/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,468/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,096/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,448
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,586
−HK$1,155/mo
Today · 4.125%
HK$44,741
baseline
▲ 0.50% · 4.625%
HK$47,099
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,482/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,515
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,406/mo
Today · 4.125%
HK$47,306
baseline
▲ 0.50% · 4.625%
HK$50,185
+HK$2,879/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,612/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,522
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,851
−HK$1,347/mo
Today · 4.125%
HK$52,198
baseline
▲ 0.50% · 4.625%
HK$54,949
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,396/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,233
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,014
−HK$1,809/mo
Today · 4.125%
HK$60,823
baseline
▲ 0.50% · 4.625%
HK$64,523
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,646/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,672
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,379
−HK$1,733/mo
Today · 4.125%
HK$67,112
baseline
▲ 0.50% · 4.625%
HK$70,649
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,224/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,908 · Scale 2, in force from 26 Feb 2026)