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$31,870
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,861
−HK$1,007/mo
Today · 4.125%
HK$33,868
baseline
▲ 0.50% · 4.625%
HK$35,929
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,736/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,455
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,406
−HK$964/mo
Today · 4.125%
HK$37,370
baseline
▲ 0.50% · 4.625%
HK$39,340
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,740/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,244
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,433
−HK$1,209/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$43,115
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,687
−HK$1,157/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,208
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,618
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$46,005
−HK$1,410/mo
Today · 4.125%
HK$47,415
baseline
▲ 0.50% · 4.625%
HK$50,301
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,830/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,637
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,968
−HK$1,350/mo
Today · 4.125%
HK$52,318
baseline
▲ 0.50% · 4.625%
HK$55,076
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,636/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,365
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,150
−HK$1,813/mo
Today · 4.125%
HK$60,963
baseline
▲ 0.50% · 4.625%
HK$64,672
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,926/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,818
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,530
−HK$1,736/mo
Today · 4.125%
HK$67,266
baseline
▲ 0.50% · 4.625%
HK$70,812
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,532/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,113 · Scale 2, in force from 26 Feb 2026)