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$31,900
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,893
−HK$1,008/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$2,063/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,489
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$965/mo
Today · 4.125%
HK$37,406
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$1,972/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,812/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,471
−HK$1,210/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$43,156
+HK$2,475/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,729
−HK$1,159/mo
Today · 4.125%
HK$44,888
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,776/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,661
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,050
−HK$1,411/mo
Today · 4.125%
HK$47,461
baseline
▲ 0.50% · 4.625%
HK$50,349
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,922/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,684
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,017
−HK$1,352/mo
Today · 4.125%
HK$52,369
baseline
▲ 0.50% · 4.625%
HK$55,129
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,738/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,421
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,207
−HK$1,815/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,735
+HK$3,713/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,880
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,593
−HK$1,738/mo
Today · 4.125%
HK$67,331
baseline
▲ 0.50% · 4.625%
HK$70,880
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,662/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,620 · Scale 2, in force from 26 Feb 2026)