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$31,862
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$1,007/mo
Today · 4.125%
HK$33,860
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,720/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,446
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$965/mo
Today · 4.125%
HK$37,361
baseline
▲ 0.50% · 4.625%
HK$39,330
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,722/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,234
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,209/mo
Today · 4.125%
HK$40,632
baseline
▲ 0.50% · 4.625%
HK$43,104
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,264/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,535
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,676
−HK$1,157/mo
Today · 4.125%
HK$44,833
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,666/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,606
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,994
−HK$1,409/mo
Today · 4.125%
HK$47,403
baseline
▲ 0.50% · 4.625%
HK$50,288
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,806/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,955
−HK$1,350/mo
Today · 4.125%
HK$52,305
baseline
▲ 0.50% · 4.625%
HK$55,062
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,610/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,351
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,135
−HK$1,812/mo
Today · 4.125%
HK$60,947
baseline
▲ 0.50% · 4.625%
HK$64,656
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,894/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,802
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,513
−HK$1,736/mo
Today · 4.125%
HK$67,249
baseline
▲ 0.50% · 4.625%
HK$70,794
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,498/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,981 · Scale 2, in force from 26 Feb 2026)