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$31,888
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,880
−HK$1,008/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,475
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$966/mo
Today · 4.125%
HK$37,392
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,784/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,266
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,456
−HK$1,209/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,475/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,570
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,712
−HK$1,158/mo
Today · 4.125%
HK$44,870
baseline
▲ 0.50% · 4.625%
HK$47,235
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,740/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,643
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,032
−HK$1,411/mo
Today · 4.125%
HK$47,443
baseline
▲ 0.50% · 4.625%
HK$50,329
+HK$2,886/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,886/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,665
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,997
−HK$1,351/mo
Today · 4.125%
HK$52,348
baseline
▲ 0.50% · 4.625%
HK$55,108
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,696/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,184
−HK$1,814/mo
Today · 4.125%
HK$60,998
baseline
▲ 0.50% · 4.625%
HK$64,709
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$121,996/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,855
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,568
−HK$1,737/mo
Today · 4.125%
HK$67,305
baseline
▲ 0.50% · 4.625%
HK$70,853
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,610/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,415 · Scale 2, in force from 26 Feb 2026)