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$31,857
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,848
−HK$1,007/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$2,059/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,440
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,391
−HK$964/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,228
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,417
−HK$1,208/mo
Today · 4.125%
HK$40,625
baseline
▲ 0.50% · 4.625%
HK$43,097
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,250/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,528
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,669
−HK$1,157/mo
Today · 4.125%
HK$44,826
baseline
▲ 0.50% · 4.625%
HK$47,189
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,652/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,600
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,409/mo
Today · 4.125%
HK$47,396
baseline
▲ 0.50% · 4.625%
HK$50,280
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,792/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,617
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,947
−HK$1,350/mo
Today · 4.125%
HK$52,297
baseline
▲ 0.50% · 4.625%
HK$55,054
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,594/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,342
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,126
−HK$1,812/mo
Today · 4.125%
HK$60,938
baseline
▲ 0.50% · 4.625%
HK$64,646
+HK$3,708/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,876/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,793
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,504
−HK$1,735/mo
Today · 4.125%
HK$67,239
baseline
▲ 0.50% · 4.625%
HK$70,783
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,478/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,902 · Scale 2, in force from 26 Feb 2026)