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$31,947
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,941
−HK$1,009/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$36,016
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,541
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,494
−HK$967/mo
Today · 4.125%
HK$37,461
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$1,974/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,922/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,211/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$43,219
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,649
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,793
−HK$1,160/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,726
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,413/mo
Today · 4.125%
HK$47,530
baseline
▲ 0.50% · 4.625%
HK$50,422
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,060/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,757
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,354/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,210
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,504
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,293
−HK$1,817/mo
Today · 4.125%
HK$61,110
baseline
▲ 0.50% · 4.625%
HK$64,829
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,220/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,973
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,689
−HK$1,740/mo
Today · 4.125%
HK$67,429
baseline
▲ 0.50% · 4.625%
HK$70,984
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,858/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,384 · Scale 2, in force from 26 Feb 2026)