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$31,859
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$1,007/mo
Today · 4.125%
HK$33,857
baseline
▲ 0.50% · 4.625%
HK$35,917
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,714/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,443
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$965/mo
Today · 4.125%
HK$37,358
baseline
▲ 0.50% · 4.625%
HK$39,327
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,716/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,231
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,420
−HK$1,208/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,672
−HK$1,157/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,603
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,410/mo
Today · 4.125%
HK$47,400
baseline
▲ 0.50% · 4.625%
HK$50,284
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,800/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,620
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,951
−HK$1,350/mo
Today · 4.125%
HK$52,301
baseline
▲ 0.50% · 4.625%
HK$55,058
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,602/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,346
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,130
−HK$1,812/mo
Today · 4.125%
HK$60,942
baseline
▲ 0.50% · 4.625%
HK$64,651
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,884/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,797
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,508
−HK$1,736/mo
Today · 4.125%
HK$67,244
baseline
▲ 0.50% · 4.625%
HK$70,788
+HK$3,544/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,488/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,939 · Scale 2, in force from 26 Feb 2026)