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$31,878
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$1,007/mo
Today · 4.125%
HK$33,877
baseline
▲ 0.50% · 4.625%
HK$35,939
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,754/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$964/mo
Today · 4.125%
HK$37,380
baseline
▲ 0.50% · 4.625%
HK$39,351
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,760/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,444
−HK$1,209/mo
Today · 4.125%
HK$40,653
baseline
▲ 0.50% · 4.625%
HK$43,127
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,306/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,557
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,158/mo
Today · 4.125%
HK$44,857
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,714/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,018
−HK$1,410/mo
Today · 4.125%
HK$47,428
baseline
▲ 0.50% · 4.625%
HK$50,314
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,856/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,650
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,982
−HK$1,351/mo
Today · 4.125%
HK$52,333
baseline
▲ 0.50% · 4.625%
HK$55,091
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,666/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,381
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,166
−HK$1,813/mo
Today · 4.125%
HK$60,979
baseline
▲ 0.50% · 4.625%
HK$64,690
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,958/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,836
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,548
−HK$1,737/mo
Today · 4.125%
HK$67,285
baseline
▲ 0.50% · 4.625%
HK$70,831
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,570/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,257 · Scale 2, in force from 26 Feb 2026)