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$31,893
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$1,008/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,481
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$966/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,369
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,272
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,462
−HK$1,210/mo
Today · 4.125%
HK$40,672
baseline
▲ 0.50% · 4.625%
HK$43,146
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,344/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,577
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,719
−HK$1,158/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,243
+HK$2,366/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,650
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,039
−HK$1,411/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$50,337
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,673
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,005
−HK$1,352/mo
Today · 4.125%
HK$52,357
baseline
▲ 0.50% · 4.625%
HK$55,116
+HK$2,759/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,714/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,193
−HK$1,814/mo
Today · 4.125%
HK$61,007
baseline
▲ 0.50% · 4.625%
HK$64,719
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,014/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,865
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,578
−HK$1,738/mo
Today · 4.125%
HK$67,316
baseline
▲ 0.50% · 4.625%
HK$70,864
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,632/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,497 · Scale 2, in force from 26 Feb 2026)