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$31,988
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$1,011/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$36,062
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$968/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,213/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$43,275
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,849
−HK$1,161/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,383
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,783
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,176
−HK$1,415/mo
Today · 4.125%
HK$47,591
baseline
▲ 0.50% · 4.625%
HK$50,487
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,182/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,821
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,157
−HK$1,355/mo
Today · 4.125%
HK$52,512
baseline
▲ 0.50% · 4.625%
HK$55,280
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,024/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,578
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,369
−HK$1,820/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,912
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,055
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,773
−HK$1,743/mo
Today · 4.125%
HK$67,516
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,032/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,056 · Scale 2, in force from 26 Feb 2026)