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$31,887
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$1,007/mo
Today · 4.125%
HK$33,886
baseline
▲ 0.50% · 4.625%
HK$35,948
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,772/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,474
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,425
−HK$965/mo
Today · 4.125%
HK$37,390
baseline
▲ 0.50% · 4.625%
HK$39,361
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,780/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,454
−HK$1,210/mo
Today · 4.125%
HK$40,664
baseline
▲ 0.50% · 4.625%
HK$43,138
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,328/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,568
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,710
−HK$1,158/mo
Today · 4.125%
HK$44,868
baseline
▲ 0.50% · 4.625%
HK$47,233
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,736/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,641
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,030
−HK$1,411/mo
Today · 4.125%
HK$47,441
baseline
▲ 0.50% · 4.625%
HK$50,328
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,882/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,995
−HK$1,351/mo
Today · 4.125%
HK$52,346
baseline
▲ 0.50% · 4.625%
HK$55,106
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,692/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,396
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,813/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,707
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,853
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,565
−HK$1,737/mo
Today · 4.125%
HK$67,302
baseline
▲ 0.50% · 4.625%
HK$70,850
+HK$3,548/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,604/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,395 · Scale 2, in force from 26 Feb 2026)