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$31,877
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,868
−HK$1,008/mo
Today · 4.125%
HK$33,876
baseline
▲ 0.50% · 4.625%
HK$35,937
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,752/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,414
−HK$965/mo
Today · 4.125%
HK$37,379
baseline
▲ 0.50% · 4.625%
HK$39,349
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,758/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,252
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,442
−HK$1,209/mo
Today · 4.125%
HK$40,651
baseline
▲ 0.50% · 4.625%
HK$43,125
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,302/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,555
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,697
−HK$1,157/mo
Today · 4.125%
HK$44,854
baseline
▲ 0.50% · 4.625%
HK$47,219
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,708/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,628
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,016
−HK$1,410/mo
Today · 4.125%
HK$47,426
baseline
▲ 0.50% · 4.625%
HK$50,312
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,852/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,648
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,979
−HK$1,351/mo
Today · 4.125%
HK$52,330
baseline
▲ 0.50% · 4.625%
HK$55,089
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,660/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,378
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,163
−HK$1,814/mo
Today · 4.125%
HK$60,977
baseline
▲ 0.50% · 4.625%
HK$64,687
+HK$3,710/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,954/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,833
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,545
−HK$1,737/mo
Today · 4.125%
HK$67,282
baseline
▲ 0.50% · 4.625%
HK$70,828
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,564/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,233 · Scale 2, in force from 26 Feb 2026)