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$31,871
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$1,007/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$965/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,341
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,744/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,245
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,208/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,547
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,158/mo
Today · 4.125%
HK$44,846
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,692/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,619
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,007
−HK$1,410/mo
Today · 4.125%
HK$47,417
baseline
▲ 0.50% · 4.625%
HK$50,302
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,834/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,638
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,970
−HK$1,350/mo
Today · 4.125%
HK$52,320
baseline
▲ 0.50% · 4.625%
HK$55,078
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,640/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,367
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,152
−HK$1,813/mo
Today · 4.125%
HK$60,965
baseline
▲ 0.50% · 4.625%
HK$64,674
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,930/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,821
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,532
−HK$1,737/mo
Today · 4.125%
HK$67,269
baseline
▲ 0.50% · 4.625%
HK$70,815
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,538/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,132 · Scale 2, in force from 26 Feb 2026)