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$31,896
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,888
−HK$1,008/mo
Today · 4.125%
HK$33,896
baseline
▲ 0.50% · 4.625%
HK$35,959
+HK$2,063/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,792/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,484
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,436
−HK$965/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,373
+HK$1,972/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,466
−HK$1,210/mo
Today · 4.125%
HK$40,676
baseline
▲ 0.50% · 4.625%
HK$43,151
+HK$2,475/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,352/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,581
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,723
−HK$1,159/mo
Today · 4.125%
HK$44,882
baseline
▲ 0.50% · 4.625%
HK$47,247
+HK$2,365/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,764/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,655
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,411/mo
Today · 4.125%
HK$47,455
baseline
▲ 0.50% · 4.625%
HK$50,343
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,910/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,678
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,010
−HK$1,352/mo
Today · 4.125%
HK$52,362
baseline
▲ 0.50% · 4.625%
HK$55,122
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,724/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,413
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,199
−HK$1,815/mo
Today · 4.125%
HK$61,014
baseline
▲ 0.50% · 4.625%
HK$64,726
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,028/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,872
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,585
−HK$1,737/mo
Today · 4.125%
HK$67,322
baseline
▲ 0.50% · 4.625%
HK$70,871
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,644/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,551 · Scale 2, in force from 26 Feb 2026)