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$31,895
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,887
−HK$1,008/mo
Today · 4.125%
HK$33,895
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$2,062/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,790/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,483
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,434
−HK$966/mo
Today · 4.125%
HK$37,400
baseline
▲ 0.50% · 4.625%
HK$39,371
+HK$1,971/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,800/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,210/mo
Today · 4.125%
HK$40,674
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,475/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$81,348/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,579
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,721
−HK$1,159/mo
Today · 4.125%
HK$44,880
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,365/mo
Deposit HK$5.59M · loan HK$8.39M · min. income ≈ HK$89,760/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,653
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,042
−HK$1,411/mo
Today · 4.125%
HK$47,453
baseline
▲ 0.50% · 4.625%
HK$50,340
+HK$2,887/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,906/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,676
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,008
−HK$1,351/mo
Today · 4.125%
HK$52,359
baseline
▲ 0.50% · 4.625%
HK$55,119
+HK$2,760/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,718/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,411
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,196
−HK$1,815/mo
Today · 4.125%
HK$61,011
baseline
▲ 0.50% · 4.625%
HK$64,723
+HK$3,712/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,022/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,869
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,582
−HK$1,737/mo
Today · 4.125%
HK$67,319
baseline
▲ 0.50% · 4.625%
HK$70,868
+HK$3,549/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,638/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,526 · Scale 2, in force from 26 Feb 2026)