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$31,950
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$1,010/mo
Today · 4.125%
HK$33,954
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,908/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,498
−HK$967/mo
Today · 4.125%
HK$37,465
baseline
▲ 0.50% · 4.625%
HK$39,440
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,930/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,533
−HK$1,212/mo
Today · 4.125%
HK$40,745
baseline
▲ 0.50% · 4.625%
HK$43,224
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,490/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,653
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,797
−HK$1,161/mo
Today · 4.125%
HK$44,958
baseline
▲ 0.50% · 4.625%
HK$47,328
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,916/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,122
−HK$1,413/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,428
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,762
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,097
−HK$1,354/mo
Today · 4.125%
HK$52,451
baseline
▲ 0.50% · 4.625%
HK$55,215
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,902/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,511
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,817/mo
Today · 4.125%
HK$61,117
baseline
▲ 0.50% · 4.625%
HK$64,836
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,234/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,980
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,696
−HK$1,741/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$70,991
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,441 · Scale 2, in force from 26 Feb 2026)