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$31,889
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$1,007/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,427
−HK$965/mo
Today · 4.125%
HK$37,392
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,784/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,266
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,457
−HK$1,209/mo
Today · 4.125%
HK$40,666
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,332/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,571
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,713
−HK$1,158/mo
Today · 4.125%
HK$44,871
baseline
▲ 0.50% · 4.625%
HK$47,236
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,742/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,644
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,033
−HK$1,411/mo
Today · 4.125%
HK$47,444
baseline
▲ 0.50% · 4.625%
HK$50,331
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,888/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,666
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,998
−HK$1,351/mo
Today · 4.125%
HK$52,349
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,698/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,400
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,185
−HK$1,814/mo
Today · 4.125%
HK$60,999
baseline
▲ 0.50% · 4.625%
HK$64,711
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$121,998/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,856
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,569
−HK$1,737/mo
Today · 4.125%
HK$67,306
baseline
▲ 0.50% · 4.625%
HK$70,854
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,612/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,426 · Scale 2, in force from 26 Feb 2026)