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$31,872
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$1,007/mo
Today · 4.125%
HK$33,870
baseline
▲ 0.50% · 4.625%
HK$35,931
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,740/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,457
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$964/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,342
+HK$1,970/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$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,209/mo
Today · 4.125%
HK$40,644
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,288/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,548
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,689
−HK$1,158/mo
Today · 4.125%
HK$44,847
baseline
▲ 0.50% · 4.625%
HK$47,211
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,694/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,620
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,410/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$50,304
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,639
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,971
−HK$1,350/mo
Today · 4.125%
HK$52,321
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,642/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,369
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,153
−HK$1,813/mo
Today · 4.125%
HK$60,966
baseline
▲ 0.50% · 4.625%
HK$64,676
+HK$3,710/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,932/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,822
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,534
−HK$1,736/mo
Today · 4.125%
HK$67,270
baseline
▲ 0.50% · 4.625%
HK$70,816
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,540/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,144 · Scale 2, in force from 26 Feb 2026)