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$31,899
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$1,008/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,962
+HK$2,063/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,487
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,439
−HK$966/mo
Today · 4.125%
HK$37,405
baseline
▲ 0.50% · 4.625%
HK$39,376
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,810/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,279
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,210/mo
Today · 4.125%
HK$40,679
baseline
▲ 0.50% · 4.625%
HK$43,154
+HK$2,475/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,358/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,585
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,727
−HK$1,158/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,251
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,659
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,411/mo
Today · 4.125%
HK$47,459
baseline
▲ 0.50% · 4.625%
HK$50,347
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,918/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,682
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,015
−HK$1,351/mo
Today · 4.125%
HK$52,366
baseline
▲ 0.50% · 4.625%
HK$55,127
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,732/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,418
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,204
−HK$1,815/mo
Today · 4.125%
HK$61,019
baseline
▲ 0.50% · 4.625%
HK$64,732
+HK$3,713/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,038/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,877
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,590
−HK$1,738/mo
Today · 4.125%
HK$67,328
baseline
▲ 0.50% · 4.625%
HK$70,877
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,656/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,595 · Scale 2, in force from 26 Feb 2026)