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$31,868
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$1,007/mo
Today · 4.125%
HK$33,866
baseline
▲ 0.50% · 4.625%
HK$35,927
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,732/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$964/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,242
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,431
−HK$1,209/mo
Today · 4.125%
HK$40,640
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,280/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,543
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,684
−HK$1,158/mo
Today · 4.125%
HK$44,842
baseline
▲ 0.50% · 4.625%
HK$47,206
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,684/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,615
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,003
−HK$1,410/mo
Today · 4.125%
HK$47,413
baseline
▲ 0.50% · 4.625%
HK$50,298
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,826/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,634
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,965
−HK$1,350/mo
Today · 4.125%
HK$52,315
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,630/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,362
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,147
−HK$1,812/mo
Today · 4.125%
HK$60,959
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,710/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,918/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,815
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,526
−HK$1,737/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$70,808
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,086 · Scale 2, in force from 26 Feb 2026)