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$31,864
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,855
−HK$1,007/mo
Today · 4.125%
HK$33,862
baseline
▲ 0.50% · 4.625%
HK$35,922
+HK$2,060/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$67,724/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,448
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,399
−HK$964/mo
Today · 4.125%
HK$37,363
baseline
▲ 0.50% · 4.625%
HK$39,333
+HK$1,970/mo
Deposit HK$6.99M · loan HK$6.99M · min. income ≈ HK$74,726/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,236
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,426
−HK$1,208/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,473/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,538
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,679
−HK$1,157/mo
Today · 4.125%
HK$44,836
baseline
▲ 0.50% · 4.625%
HK$47,199
+HK$2,363/mo
Deposit HK$5.59M · loan HK$8.38M · min. income ≈ HK$89,672/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,609
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$45,997
−HK$1,410/mo
Today · 4.125%
HK$47,407
baseline
▲ 0.50% · 4.625%
HK$50,291
+HK$2,884/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$94,814/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,627
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,958
−HK$1,351/mo
Today · 4.125%
HK$52,309
baseline
▲ 0.50% · 4.625%
HK$55,066
+HK$2,757/mo
Deposit HK$4.19M · loan HK$9.78M · min. income ≈ HK$104,618/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,355
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,139
−HK$1,812/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,660
+HK$3,709/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,807
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,518
−HK$1,736/mo
Today · 4.125%
HK$67,254
baseline
▲ 0.50% · 4.625%
HK$70,799
+HK$3,545/mo
Deposit HK$1.40M · loan HK$12.58M · min. income ≈ HK$134,508/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,016 · Scale 2, in force from 26 Feb 2026)