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$31,822
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,812
−HK$1,006/mo
Today · 4.125%
HK$33,818
baseline
▲ 0.50% · 4.625%
HK$35,876
+HK$2,058/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$67,636/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,402
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$963/mo
Today · 4.125%
HK$37,315
baseline
▲ 0.50% · 4.625%
HK$39,282
+HK$1,967/mo
Deposit HK$6.98M · loan HK$6.98M · min. income ≈ HK$74,630/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,375
−HK$1,207/mo
Today · 4.125%
HK$40,582
baseline
▲ 0.50% · 4.625%
HK$43,051
+HK$2,469/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,164/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,483
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,622
−HK$1,156/mo
Today · 4.125%
HK$44,778
baseline
▲ 0.50% · 4.625%
HK$47,138
+HK$2,360/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,556/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,937
−HK$1,408/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$50,226
+HK$2,881/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,563
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,892
−HK$1,349/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$54,994
+HK$2,753/mo
Deposit HK$4.19M · loan HK$9.77M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,810/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,576
+HK$3,704/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,724
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$1,734/mo
Today · 4.125%
HK$67,167
baseline
▲ 0.50% · 4.625%
HK$70,707
+HK$3,540/mo
Deposit HK$1.40M · loan HK$12.56M · min. income ≈ HK$134,334/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,337 · Scale 2, in force from 26 Feb 2026)