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$31,890
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$1,008/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,952
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$965/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,268
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,210/mo
Today · 4.125%
HK$40,668
baseline
▲ 0.50% · 4.625%
HK$43,142
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,336/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,573
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,714
−HK$1,159/mo
Today · 4.125%
HK$44,873
baseline
▲ 0.50% · 4.625%
HK$47,238
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,746/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,646
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,411/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$50,333
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,668
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,000
−HK$1,352/mo
Today · 4.125%
HK$52,352
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$2,759/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,704/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,402
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,187
−HK$1,814/mo
Today · 4.125%
HK$61,001
baseline
▲ 0.50% · 4.625%
HK$64,713
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,002/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,859
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,572
−HK$1,737/mo
Today · 4.125%
HK$67,309
baseline
▲ 0.50% · 4.625%
HK$70,857
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,618/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,447 · Scale 2, in force from 26 Feb 2026)