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$31,888
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$1,008/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,949
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,475
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$965/mo
Today · 4.125%
HK$37,391
baseline
▲ 0.50% · 4.625%
HK$39,362
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,782/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,265
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,210/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$43,139
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,711
−HK$1,158/mo
Today · 4.125%
HK$44,869
baseline
▲ 0.50% · 4.625%
HK$47,234
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,738/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,643
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,031
−HK$1,411/mo
Today · 4.125%
HK$47,442
baseline
▲ 0.50% · 4.625%
HK$50,329
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,884/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,664
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$50,996
−HK$1,352/mo
Today · 4.125%
HK$52,348
baseline
▲ 0.50% · 4.625%
HK$55,107
+HK$2,759/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,696/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,183
−HK$1,814/mo
Today · 4.125%
HK$60,997
baseline
▲ 0.50% · 4.625%
HK$64,708
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$121,994/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,854
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,567
−HK$1,737/mo
Today · 4.125%
HK$67,304
baseline
▲ 0.50% · 4.625%
HK$70,852
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,608/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,407 · Scale 2, in force from 26 Feb 2026)