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$31,874
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$1,007/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,933
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,459
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,410
−HK$965/mo
Today · 4.125%
HK$37,375
baseline
▲ 0.50% · 4.625%
HK$39,345
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,750/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,248
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,209/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,551
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,692
−HK$1,158/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,214
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,623
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,011
−HK$1,410/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$50,307
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,643
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,974
−HK$1,351/mo
Today · 4.125%
HK$52,325
baseline
▲ 0.50% · 4.625%
HK$55,083
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,650/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,373
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,157
−HK$1,813/mo
Today · 4.125%
HK$60,970
baseline
▲ 0.50% · 4.625%
HK$64,680
+HK$3,710/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,940/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,826
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,538
−HK$1,737/mo
Today · 4.125%
HK$67,275
baseline
▲ 0.50% · 4.625%
HK$70,821
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,550/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,179 · Scale 2, in force from 26 Feb 2026)