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$31,831
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$1,006/mo
Today · 4.125%
HK$33,827
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$2,059/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,654/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,412
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$963/mo
Today · 4.125%
HK$37,325
baseline
▲ 0.50% · 4.625%
HK$39,293
+HK$1,968/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,650/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,197
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,207/mo
Today · 4.125%
HK$40,593
baseline
▲ 0.50% · 4.625%
HK$43,063
+HK$2,470/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$81,186/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,634
−HK$1,156/mo
Today · 4.125%
HK$44,790
baseline
▲ 0.50% · 4.625%
HK$47,151
+HK$2,361/mo
Deposit HK$5.58M · loan HK$8.38M · min. income ≈ HK$89,580/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,564
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,950
−HK$1,408/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$50,240
+HK$2,882/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,577
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,906
−HK$1,349/mo
Today · 4.125%
HK$52,255
baseline
▲ 0.50% · 4.625%
HK$55,010
+HK$2,755/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,510/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,296
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,811/mo
Today · 4.125%
HK$60,889
baseline
▲ 0.50% · 4.625%
HK$64,594
+HK$3,705/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,778/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,741
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,451
−HK$1,734/mo
Today · 4.125%
HK$67,185
baseline
▲ 0.50% · 4.625%
HK$70,727
+HK$3,542/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,370/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,482 · Scale 2, in force from 26 Feb 2026)