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$31,882
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,874
−HK$1,008/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$2,061/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,469
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$965/mo
Today · 4.125%
HK$37,385
baseline
▲ 0.50% · 4.625%
HK$39,356
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,770/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,259
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,449
−HK$1,209/mo
Today · 4.125%
HK$40,658
baseline
▲ 0.50% · 4.625%
HK$43,132
+HK$2,474/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,316/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,562
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,704
−HK$1,158/mo
Today · 4.125%
HK$44,862
baseline
▲ 0.50% · 4.625%
HK$47,227
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,724/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,635
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,024
−HK$1,410/mo
Today · 4.125%
HK$47,434
baseline
▲ 0.50% · 4.625%
HK$50,320
+HK$2,886/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$94,868/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,351/mo
Today · 4.125%
HK$52,339
baseline
▲ 0.50% · 4.625%
HK$55,098
+HK$2,759/mo
Deposit HK$4.19M · loan HK$9.79M · min. income ≈ HK$104,678/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,388
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,173
−HK$1,814/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,698
+HK$3,711/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,844
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,556
−HK$1,737/mo
Today · 4.125%
HK$67,293
baseline
▲ 0.50% · 4.625%
HK$70,840
+HK$3,547/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,586/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,321 · Scale 2, in force from 26 Feb 2026)