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$31,858
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$1,007/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,916
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,442
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$964/mo
Today · 4.125%
HK$37,357
baseline
▲ 0.50% · 4.625%
HK$39,326
+HK$1,969/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,714/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,230
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,419
−HK$1,208/mo
Today · 4.125%
HK$40,627
baseline
▲ 0.50% · 4.625%
HK$43,099
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,254/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,530
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,157/mo
Today · 4.125%
HK$44,828
baseline
▲ 0.50% · 4.625%
HK$47,191
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,656/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,409/mo
Today · 4.125%
HK$47,398
baseline
▲ 0.50% · 4.625%
HK$50,283
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,796/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,350/mo
Today · 4.125%
HK$52,300
baseline
▲ 0.50% · 4.625%
HK$55,056
+HK$2,756/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,600/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,345
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,129
−HK$1,812/mo
Today · 4.125%
HK$60,941
baseline
▲ 0.50% · 4.625%
HK$64,649
+HK$3,708/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$121,882/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,796
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,507
−HK$1,735/mo
Today · 4.125%
HK$67,242
baseline
▲ 0.50% · 4.625%
HK$70,787
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.57M · min. income ≈ HK$134,484/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$523,926 · Scale 2, in force from 26 Feb 2026)