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$31,884
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,876
−HK$1,008/mo
Today · 4.125%
HK$33,884
baseline
▲ 0.50% · 4.625%
HK$35,946
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,768/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,471
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,422
−HK$966/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,358
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,261
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,209/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,565
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,158/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,638
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,027
−HK$1,410/mo
Today · 4.125%
HK$47,437
baseline
▲ 0.50% · 4.625%
HK$50,324
+HK$2,887/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,874/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,660
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,991
−HK$1,352/mo
Today · 4.125%
HK$52,343
baseline
▲ 0.50% · 4.625%
HK$55,102
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,686/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,392
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,177
−HK$1,814/mo
Today · 4.125%
HK$60,991
baseline
▲ 0.50% · 4.625%
HK$64,702
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,982/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,848
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,560
−HK$1,738/mo
Today · 4.125%
HK$67,298
baseline
▲ 0.50% · 4.625%
HK$70,845
+HK$3,547/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,596/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,357 · Scale 2, in force from 26 Feb 2026)