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$31,949
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,943
−HK$1,010/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$36,019
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$967/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,339
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,211/mo
Today · 4.125%
HK$40,743
baseline
▲ 0.50% · 4.625%
HK$43,222
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,486/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,160/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,326
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,729
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,120
−HK$1,414/mo
Today · 4.125%
HK$47,534
baseline
▲ 0.50% · 4.625%
HK$50,426
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,068/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,760
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,095
−HK$1,354/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,509
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,297
−HK$1,818/mo
Today · 4.125%
HK$61,115
baseline
▲ 0.50% · 4.625%
HK$64,834
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,230/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,978
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,694
−HK$1,740/mo
Today · 4.125%
HK$67,434
baseline
▲ 0.50% · 4.625%
HK$70,989
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,868/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,422 · Scale 2, in force from 26 Feb 2026)