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$31,897
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,889
−HK$1,008/mo
Today · 4.125%
HK$33,897
baseline
▲ 0.50% · 4.625%
HK$35,960
+HK$2,063/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,794/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,485
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,437
−HK$965/mo
Today · 4.125%
HK$37,402
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$1,972/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,804/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,467
−HK$1,210/mo
Today · 4.125%
HK$40,677
baseline
▲ 0.50% · 4.625%
HK$43,152
+HK$2,475/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,354/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,582
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,159/mo
Today · 4.125%
HK$44,883
baseline
▲ 0.50% · 4.625%
HK$47,249
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,766/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,656
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,045
−HK$1,411/mo
Today · 4.125%
HK$47,456
baseline
▲ 0.50% · 4.625%
HK$50,344
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,912/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,679
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,351/mo
Today · 4.125%
HK$52,363
baseline
▲ 0.50% · 4.625%
HK$55,123
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,726/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,415
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,814/mo
Today · 4.125%
HK$61,015
baseline
▲ 0.50% · 4.625%
HK$64,728
+HK$3,713/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,030/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,873
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$1,738/mo
Today · 4.125%
HK$67,324
baseline
▲ 0.50% · 4.625%
HK$70,873
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,648/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,564 · Scale 2, in force from 26 Feb 2026)