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$31,998
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$1,011/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$968/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,499
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,398
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,593
−HK$1,213/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$43,289
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,718
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,162/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,399
+HK$2,374/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,798
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,416/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,504
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,174
−HK$1,356/mo
Today · 4.125%
HK$52,530
baseline
▲ 0.50% · 4.625%
HK$55,299
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,060/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,597
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,389
−HK$1,820/mo
Today · 4.125%
HK$61,209
baseline
▲ 0.50% · 4.625%
HK$64,934
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,418/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,795
−HK$1,743/mo
Today · 4.125%
HK$67,538
baseline
▲ 0.50% · 4.625%
HK$71,098
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,076/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,232 · Scale 2, in force from 26 Feb 2026)