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$31,893
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$1,008/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,480
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$965/mo
Today · 4.125%
HK$37,397
baseline
▲ 0.50% · 4.625%
HK$39,368
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,794/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,271
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,462
−HK$1,209/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$43,146
+HK$2,475/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,576
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,718
−HK$1,159/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,242
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,650
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,039
−HK$1,411/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$50,337
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,672
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,005
−HK$1,351/mo
Today · 4.125%
HK$52,356
baseline
▲ 0.50% · 4.625%
HK$55,116
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,712/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,815/mo
Today · 4.125%
HK$61,007
baseline
▲ 0.50% · 4.625%
HK$64,719
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,014/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,864
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$1,738/mo
Today · 4.125%
HK$67,315
baseline
▲ 0.50% · 4.625%
HK$70,863
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,630/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,492 · Scale 2, in force from 26 Feb 2026)