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$31,880
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,871
−HK$1,008/mo
Today · 4.125%
HK$33,879
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,758/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,466
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$965/mo
Today · 4.125%
HK$37,382
baseline
▲ 0.50% · 4.625%
HK$39,353
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,764/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,256
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,446
−HK$1,209/mo
Today · 4.125%
HK$40,655
baseline
▲ 0.50% · 4.625%
HK$43,129
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,310/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,559
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,158/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,223
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,632
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,020
−HK$1,411/mo
Today · 4.125%
HK$47,431
baseline
▲ 0.50% · 4.625%
HK$50,317
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,862/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,652
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,984
−HK$1,351/mo
Today · 4.125%
HK$52,335
baseline
▲ 0.50% · 4.625%
HK$55,094
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,670/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,384
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,169
−HK$1,813/mo
Today · 4.125%
HK$60,982
baseline
▲ 0.50% · 4.625%
HK$64,693
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,964/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$1,737/mo
Today · 4.125%
HK$67,288
baseline
▲ 0.50% · 4.625%
HK$70,835
+HK$3,547/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,576/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,281 · Scale 2, in force from 26 Feb 2026)