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$31,879
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$1,008/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,939
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,465
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$965/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,351
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,255
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,208/mo
Today · 4.125%
HK$40,653
baseline
▲ 0.50% · 4.625%
HK$43,127
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,306/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,558
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,158/mo
Today · 4.125%
HK$44,857
baseline
▲ 0.50% · 4.625%
HK$47,222
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,714/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,019
−HK$1,410/mo
Today · 4.125%
HK$47,429
baseline
▲ 0.50% · 4.625%
HK$50,315
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,858/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,651
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,982
−HK$1,351/mo
Today · 4.125%
HK$52,333
baseline
▲ 0.50% · 4.625%
HK$55,092
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,666/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,382
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,167
−HK$1,813/mo
Today · 4.125%
HK$60,980
baseline
▲ 0.50% · 4.625%
HK$64,691
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,960/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,837
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,549
−HK$1,737/mo
Today · 4.125%
HK$67,286
baseline
▲ 0.50% · 4.625%
HK$70,832
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,572/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,264 · Scale 2, in force from 26 Feb 2026)