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$31,881
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,873
−HK$1,008/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,468
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,419
−HK$965/mo
Today · 4.125%
HK$37,384
baseline
▲ 0.50% · 4.625%
HK$39,354
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,768/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,258
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,448
−HK$1,209/mo
Today · 4.125%
HK$40,657
baseline
▲ 0.50% · 4.625%
HK$43,131
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,314/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,561
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,703
−HK$1,158/mo
Today · 4.125%
HK$44,861
baseline
▲ 0.50% · 4.625%
HK$47,225
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,722/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,411/mo
Today · 4.125%
HK$47,433
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,866/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,655
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,351/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,386
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,171
−HK$1,814/mo
Today · 4.125%
HK$60,985
baseline
▲ 0.50% · 4.625%
HK$64,696
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,970/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,842
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,554
−HK$1,737/mo
Today · 4.125%
HK$67,291
baseline
▲ 0.50% · 4.625%
HK$70,838
+HK$3,547/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,582/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,306 · Scale 2, in force from 26 Feb 2026)