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$31,894
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$1,008/mo
Today · 4.125%
HK$33,894
baseline
▲ 0.50% · 4.625%
HK$35,956
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,788/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,482
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,433
−HK$965/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,370
+HK$1,972/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,273
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,463
−HK$1,210/mo
Today · 4.125%
HK$40,673
baseline
▲ 0.50% · 4.625%
HK$43,147
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,346/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,578
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,720
−HK$1,158/mo
Today · 4.125%
HK$44,878
baseline
▲ 0.50% · 4.625%
HK$47,244
+HK$2,366/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,756/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,651
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,040
−HK$1,411/mo
Today · 4.125%
HK$47,451
baseline
▲ 0.50% · 4.625%
HK$50,339
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,902/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,674
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,006
−HK$1,352/mo
Today · 4.125%
HK$52,358
baseline
▲ 0.50% · 4.625%
HK$55,118
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,716/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,409
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,195
−HK$1,814/mo
Today · 4.125%
HK$61,009
baseline
▲ 0.50% · 4.625%
HK$64,721
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,018/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,867
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,580
−HK$1,737/mo
Today · 4.125%
HK$67,317
baseline
▲ 0.50% · 4.625%
HK$70,866
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,634/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,511 · Scale 2, in force from 26 Feb 2026)