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$31,984
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,979
−HK$1,011/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,582
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,537
−HK$968/mo
Today · 4.125%
HK$37,505
baseline
▲ 0.50% · 4.625%
HK$39,482
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,010/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,381
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,213/mo
Today · 4.125%
HK$40,788
baseline
▲ 0.50% · 4.625%
HK$43,270
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,576/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,699
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,844
−HK$1,162/mo
Today · 4.125%
HK$45,006
baseline
▲ 0.50% · 4.625%
HK$47,378
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,012/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,778
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,171
−HK$1,415/mo
Today · 4.125%
HK$47,586
baseline
▲ 0.50% · 4.625%
HK$50,481
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,172/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,815
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,151
−HK$1,355/mo
Today · 4.125%
HK$52,506
baseline
▲ 0.50% · 4.625%
HK$55,274
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,012/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,572
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,363
−HK$1,819/mo
Today · 4.125%
HK$61,182
baseline
▲ 0.50% · 4.625%
HK$64,905
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,364/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,048
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,766
−HK$1,742/mo
Today · 4.125%
HK$67,508
baseline
▲ 0.50% · 4.625%
HK$71,067
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,016/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,999 · Scale 2, in force from 26 Feb 2026)