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$31,865
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,856
−HK$1,007/mo
Today · 4.125%
HK$33,863
baseline
▲ 0.50% · 4.625%
HK$35,924
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,726/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,449
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,400
−HK$965/mo
Today · 4.125%
HK$37,365
baseline
▲ 0.50% · 4.625%
HK$39,334
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,730/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,238
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,209/mo
Today · 4.125%
HK$40,636
baseline
▲ 0.50% · 4.625%
HK$43,108
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,272/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,539
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,680
−HK$1,158/mo
Today · 4.125%
HK$44,838
baseline
▲ 0.50% · 4.625%
HK$47,201
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,676/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,611
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,999
−HK$1,409/mo
Today · 4.125%
HK$47,408
baseline
▲ 0.50% · 4.625%
HK$50,293
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,816/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,629
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,960
−HK$1,351/mo
Today · 4.125%
HK$52,311
baseline
▲ 0.50% · 4.625%
HK$55,068
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,622/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,357
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,813/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,520
−HK$1,736/mo
Today · 4.125%
HK$67,256
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,512/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,037 · Scale 2, in force from 26 Feb 2026)