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$32,002
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$1,011/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$968/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,403
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,214/mo
Today · 4.125%
HK$40,811
baseline
▲ 0.50% · 4.625%
HK$43,294
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,622/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,163/mo
Today · 4.125%
HK$45,031
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,062/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,803
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,197
−HK$1,415/mo
Today · 4.125%
HK$47,612
baseline
▲ 0.50% · 4.625%
HK$50,510
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,224/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,843
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,180
−HK$1,356/mo
Today · 4.125%
HK$52,536
baseline
▲ 0.50% · 4.625%
HK$55,305
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,072/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,604
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,396
−HK$1,820/mo
Today · 4.125%
HK$61,216
baseline
▲ 0.50% · 4.625%
HK$64,941
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,432/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,084
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,802
−HK$1,744/mo
Today · 4.125%
HK$67,546
baseline
▲ 0.50% · 4.625%
HK$71,106
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,092/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,292 · Scale 2, in force from 26 Feb 2026)