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$31,867
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$1,007/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,452
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,403
−HK$964/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,337
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,209/mo
Today · 4.125%
HK$40,639
baseline
▲ 0.50% · 4.625%
HK$43,111
+HK$2,472/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,278/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,683
−HK$1,158/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,204
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,614
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,410/mo
Today · 4.125%
HK$47,412
baseline
▲ 0.50% · 4.625%
HK$50,297
+HK$2,885/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,824/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,633
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,964
−HK$1,350/mo
Today · 4.125%
HK$52,314
baseline
▲ 0.50% · 4.625%
HK$55,072
+HK$2,758/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,628/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,361
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,145
−HK$1,813/mo
Today · 4.125%
HK$60,958
baseline
▲ 0.50% · 4.625%
HK$64,667
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,916/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,813
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,525
−HK$1,736/mo
Today · 4.125%
HK$67,261
baseline
▲ 0.50% · 4.625%
HK$70,806
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,522/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,072 · Scale 2, in force from 26 Feb 2026)