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$31,856
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$1,007/mo
Today · 4.125%
HK$33,854
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,708/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,440
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$964/mo
Today · 4.125%
HK$37,354
baseline
▲ 0.50% · 4.625%
HK$39,323
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,708/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,227
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,416
−HK$1,209/mo
Today · 4.125%
HK$40,625
baseline
▲ 0.50% · 4.625%
HK$43,096
+HK$2,471/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,250/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,528
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,668
−HK$1,157/mo
Today · 4.125%
HK$44,825
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,650/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,599
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,986
−HK$1,409/mo
Today · 4.125%
HK$47,395
baseline
▲ 0.50% · 4.625%
HK$50,279
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,790/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,615
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,946
−HK$1,350/mo
Today · 4.125%
HK$52,296
baseline
▲ 0.50% · 4.625%
HK$55,053
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,592/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,341
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,125
−HK$1,812/mo
Today · 4.125%
HK$60,937
baseline
▲ 0.50% · 4.625%
HK$64,645
+HK$3,708/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,874/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,791
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,502
−HK$1,736/mo
Today · 4.125%
HK$67,238
baseline
▲ 0.50% · 4.625%
HK$70,782
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,476/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,891 · Scale 2, in force from 26 Feb 2026)