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$31,968
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,963
−HK$1,010/mo
Today · 4.125%
HK$33,973
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,946/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,564
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,518
−HK$968/mo
Today · 4.125%
HK$37,486
baseline
▲ 0.50% · 4.625%
HK$39,462
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,972/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,362
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,212/mo
Today · 4.125%
HK$40,767
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,534/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,822
−HK$1,161/mo
Today · 4.125%
HK$44,983
baseline
▲ 0.50% · 4.625%
HK$47,354
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,966/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,755
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,414/mo
Today · 4.125%
HK$47,562
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,124/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,790
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,125
−HK$1,355/mo
Today · 4.125%
HK$52,480
baseline
▲ 0.50% · 4.625%
HK$55,246
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,960/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,543
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,333
−HK$1,818/mo
Today · 4.125%
HK$61,151
baseline
▲ 0.50% · 4.625%
HK$64,872
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,302/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,016
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,733
−HK$1,741/mo
Today · 4.125%
HK$67,474
baseline
▲ 0.50% · 4.625%
HK$71,031
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,948/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,734 · Scale 2, in force from 26 Feb 2026)