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$31,873
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$1,007/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,933
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,459
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,410
−HK$964/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,344
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,248
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,208/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,550
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,692
−HK$1,157/mo
Today · 4.125%
HK$44,849
baseline
▲ 0.50% · 4.625%
HK$47,213
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,698/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,623
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,011
−HK$1,410/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$50,306
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,642
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,974
−HK$1,350/mo
Today · 4.125%
HK$52,324
baseline
▲ 0.50% · 4.625%
HK$55,082
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,648/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,372
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,156
−HK$1,814/mo
Today · 4.125%
HK$60,970
baseline
▲ 0.50% · 4.625%
HK$64,679
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,940/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,826
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,537
−HK$1,737/mo
Today · 4.125%
HK$67,274
baseline
▲ 0.50% · 4.625%
HK$70,820
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,548/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,173 · Scale 2, in force from 26 Feb 2026)