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$31,956
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$1,009/mo
Today · 4.125%
HK$33,959
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,918/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,550
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$967/mo
Today · 4.125%
HK$37,471
baseline
▲ 0.50% · 4.625%
HK$39,446
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,942/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,347
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,212/mo
Today · 4.125%
HK$40,751
baseline
▲ 0.50% · 4.625%
HK$43,231
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,502/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,660
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,804
−HK$1,161/mo
Today · 4.125%
HK$44,965
baseline
▲ 0.50% · 4.625%
HK$47,335
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,930/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,738
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,129
−HK$1,414/mo
Today · 4.125%
HK$47,543
baseline
▲ 0.50% · 4.625%
HK$50,436
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,086/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,770
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,105
−HK$1,354/mo
Today · 4.125%
HK$52,459
baseline
▲ 0.50% · 4.625%
HK$55,224
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,918/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,520
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,309
−HK$1,818/mo
Today · 4.125%
HK$61,127
baseline
▲ 0.50% · 4.625%
HK$64,846
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,254/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,990
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,707
−HK$1,741/mo
Today · 4.125%
HK$67,448
baseline
▲ 0.50% · 4.625%
HK$71,003
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,896/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,526 · Scale 2, in force from 26 Feb 2026)