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$31,898
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$1,008/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,961
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,487
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,438
−HK$966/mo
Today · 4.125%
HK$37,404
baseline
▲ 0.50% · 4.625%
HK$39,375
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,808/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,278
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,209/mo
Today · 4.125%
HK$40,678
baseline
▲ 0.50% · 4.625%
HK$43,154
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,356/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,584
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,159/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,251
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,658
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,047
−HK$1,411/mo
Today · 4.125%
HK$47,458
baseline
▲ 0.50% · 4.625%
HK$50,346
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,916/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,681
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,351/mo
Today · 4.125%
HK$52,365
baseline
▲ 0.50% · 4.625%
HK$55,126
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,730/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,417
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,203
−HK$1,815/mo
Today · 4.125%
HK$61,018
baseline
▲ 0.50% · 4.625%
HK$64,730
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,036/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,876
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,589
−HK$1,738/mo
Today · 4.125%
HK$67,327
baseline
▲ 0.50% · 4.625%
HK$70,876
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,654/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,586 · Scale 2, in force from 26 Feb 2026)