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$31,875
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$1,007/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,461
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,412
−HK$965/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,250
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,209/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$43,122
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,694
−HK$1,158/mo
Today · 4.125%
HK$44,852
baseline
▲ 0.50% · 4.625%
HK$47,216
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,704/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,625
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,013
−HK$1,411/mo
Today · 4.125%
HK$47,424
baseline
▲ 0.50% · 4.625%
HK$50,309
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,848/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,645
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,977
−HK$1,350/mo
Today · 4.125%
HK$52,327
baseline
▲ 0.50% · 4.625%
HK$55,086
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,654/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,375
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,160
−HK$1,813/mo
Today · 4.125%
HK$60,973
baseline
▲ 0.50% · 4.625%
HK$64,683
+HK$3,710/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,946/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,830
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,542
−HK$1,736/mo
Today · 4.125%
HK$67,278
baseline
▲ 0.50% · 4.625%
HK$70,824
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,556/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,206 · Scale 2, in force from 26 Feb 2026)