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$31,844
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$1,006/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,426
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,376
−HK$964/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,207/mo
Today · 4.125%
HK$40,609
baseline
▲ 0.50% · 4.625%
HK$43,080
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,218/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,652
−HK$1,156/mo
Today · 4.125%
HK$44,808
baseline
▲ 0.50% · 4.625%
HK$47,170
+HK$2,362/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,616/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,409/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$50,260
+HK$2,882/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,597
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,927
−HK$1,349/mo
Today · 4.125%
HK$52,276
baseline
▲ 0.50% · 4.625%
HK$55,032
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,552/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,320
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,102
−HK$1,812/mo
Today · 4.125%
HK$60,914
baseline
▲ 0.50% · 4.625%
HK$64,620
+HK$3,706/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,828/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,767
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,478
−HK$1,735/mo
Today · 4.125%
HK$67,213
baseline
▲ 0.50% · 4.625%
HK$70,755
+HK$3,542/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,426/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,694 · Scale 2, in force from 26 Feb 2026)