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$31,889
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$1,008/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$965/mo
Today · 4.125%
HK$37,393
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$1,972/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,786/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,267
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,209/mo
Today · 4.125%
HK$40,667
baseline
▲ 0.50% · 4.625%
HK$43,142
+HK$2,475/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,334/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,572
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,714
−HK$1,158/mo
Today · 4.125%
HK$44,872
baseline
▲ 0.50% · 4.625%
HK$47,237
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,744/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,645
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,034
−HK$1,411/mo
Today · 4.125%
HK$47,445
baseline
▲ 0.50% · 4.625%
HK$50,332
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,890/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,667
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$50,999
−HK$1,352/mo
Today · 4.125%
HK$52,351
baseline
▲ 0.50% · 4.625%
HK$55,110
+HK$2,759/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,702/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,401
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,187
−HK$1,814/mo
Today · 4.125%
HK$61,001
baseline
▲ 0.50% · 4.625%
HK$64,712
+HK$3,711/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$524,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,858
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,571
−HK$1,737/mo
Today · 4.125%
HK$67,308
baseline
▲ 0.50% · 4.625%
HK$70,856
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,616/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,440 · Scale 2, in force from 26 Feb 2026)