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$31,793
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$1,004/mo
Today · 4.125%
HK$33,786
baseline
▲ 0.50% · 4.625%
HK$35,842
+HK$2,056/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$67,572/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,318
−HK$962/mo
Today · 4.125%
HK$37,280
baseline
▲ 0.50% · 4.625%
HK$39,245
+HK$1,965/mo
Deposit HK$6.97M · loan HK$6.97M · min. income ≈ HK$74,560/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,151
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,206/mo
Today · 4.125%
HK$40,544
baseline
▲ 0.50% · 4.625%
HK$43,011
+HK$2,467/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$81,088/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,443
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,581
−HK$1,155/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,094
+HK$2,358/mo
Deposit HK$5.58M · loan HK$8.37M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,510
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,894
−HK$1,407/mo
Today · 4.125%
HK$47,301
baseline
▲ 0.50% · 4.625%
HK$50,179
+HK$2,878/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$94,602/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,517
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,845
−HK$1,347/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$54,943
+HK$2,751/mo
Deposit HK$4.18M · loan HK$9.76M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,227
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,007
−HK$1,809/mo
Today · 4.125%
HK$60,816
baseline
▲ 0.50% · 4.625%
HK$64,516
+HK$3,700/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$121,632/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,664
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,372
−HK$1,732/mo
Today · 4.125%
HK$67,104
baseline
▲ 0.50% · 4.625%
HK$70,641
+HK$3,537/mo
Deposit HK$1.39M · loan HK$12.55M · min. income ≈ HK$134,208/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$522,849 · Scale 2, in force from 26 Feb 2026)