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$31,860
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,851
−HK$1,007/mo
Today · 4.125%
HK$33,858
baseline
▲ 0.50% · 4.625%
HK$35,918
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,716/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,444
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,395
−HK$964/mo
Today · 4.125%
HK$37,359
baseline
▲ 0.50% · 4.625%
HK$39,328
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,718/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,421
−HK$1,209/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$43,102
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,533
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,157/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,194
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,604
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,992
−HK$1,409/mo
Today · 4.125%
HK$47,401
baseline
▲ 0.50% · 4.625%
HK$50,285
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,802/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,622
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,952
−HK$1,351/mo
Today · 4.125%
HK$52,303
baseline
▲ 0.50% · 4.625%
HK$55,059
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,606/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,348
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,132
−HK$1,812/mo
Today · 4.125%
HK$60,944
baseline
▲ 0.50% · 4.625%
HK$64,653
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,888/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,799
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,510
−HK$1,736/mo
Today · 4.125%
HK$67,246
baseline
▲ 0.50% · 4.625%
HK$70,791
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,492/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,956 · Scale 2, in force from 26 Feb 2026)