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$31,850
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$1,006/mo
Today · 4.125%
HK$33,847
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$2,060/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,694/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,433
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$964/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$1,969/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,208/mo
Today · 4.125%
HK$40,617
baseline
▲ 0.50% · 4.625%
HK$43,088
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,234/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,519
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,659
−HK$1,157/mo
Today · 4.125%
HK$44,816
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,632/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,590
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,409/mo
Today · 4.125%
HK$47,386
baseline
▲ 0.50% · 4.625%
HK$50,269
+HK$2,883/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,772/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,606
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,350/mo
Today · 4.125%
HK$52,286
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,572/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,330
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,113
−HK$1,812/mo
Today · 4.125%
HK$60,925
baseline
▲ 0.50% · 4.625%
HK$64,632
+HK$3,707/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,850/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,779
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,489
−HK$1,735/mo
Today · 4.125%
HK$67,224
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,448/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,787 · Scale 2, in force from 26 Feb 2026)