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$31,869
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$1,007/mo
Today · 4.125%
HK$33,867
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,734/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$965/mo
Today · 4.125%
HK$37,369
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,738/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,242
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,432
−HK$1,208/mo
Today · 4.125%
HK$40,640
baseline
▲ 0.50% · 4.625%
HK$43,113
+HK$2,473/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$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,544
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,685
−HK$1,158/mo
Today · 4.125%
HK$44,843
baseline
▲ 0.50% · 4.625%
HK$47,206
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,686/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,004
−HK$1,410/mo
Today · 4.125%
HK$47,414
baseline
▲ 0.50% · 4.625%
HK$50,299
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,828/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,635
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,966
−HK$1,350/mo
Today · 4.125%
HK$52,316
baseline
▲ 0.50% · 4.625%
HK$55,074
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,632/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,363
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,148
−HK$1,813/mo
Today · 4.125%
HK$60,961
baseline
▲ 0.50% · 4.625%
HK$64,670
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,922/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,816
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,528
−HK$1,736/mo
Today · 4.125%
HK$67,264
baseline
▲ 0.50% · 4.625%
HK$70,809
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,528/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,095 · Scale 2, in force from 26 Feb 2026)