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$31,873
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$1,007/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,458
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$965/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,344
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,247
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,437
−HK$1,209/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$43,119
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,550
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,691
−HK$1,157/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,212
+HK$2,364/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,410/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,641
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,973
−HK$1,350/mo
Today · 4.125%
HK$52,323
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,646/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,371
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,155
−HK$1,813/mo
Today · 4.125%
HK$60,968
baseline
▲ 0.50% · 4.625%
HK$64,678
+HK$3,710/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,936/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,824
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,536
−HK$1,737/mo
Today · 4.125%
HK$67,273
baseline
▲ 0.50% · 4.625%
HK$70,819
+HK$3,546/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,546/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,162 · Scale 2, in force from 26 Feb 2026)