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$31,848
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$1,006/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$2,060/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$964/mo
Today · 4.125%
HK$37,345
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,690/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,218
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,207/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,517
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,657
−HK$1,157/mo
Today · 4.125%
HK$44,814
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,628/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,588
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,974
−HK$1,410/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$50,267
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,603
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,933
−HK$1,350/mo
Today · 4.125%
HK$52,283
baseline
▲ 0.50% · 4.625%
HK$55,039
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,566/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,327
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,110
−HK$1,812/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,629
+HK$3,707/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,486
−HK$1,735/mo
Today · 4.125%
HK$67,221
baseline
▲ 0.50% · 4.625%
HK$70,764
+HK$3,543/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,442/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,761 · Scale 2, in force from 26 Feb 2026)