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$31,982
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,977
−HK$1,011/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$36,056
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,580
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,534
−HK$968/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,479
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,004/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,572
−HK$1,213/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$43,267
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,696
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,841
−HK$1,161/mo
Today · 4.125%
HK$45,002
baseline
▲ 0.50% · 4.625%
HK$47,375
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,004/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,775
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,168
−HK$1,415/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,812
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,355/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,270
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,568
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,358
−HK$1,820/mo
Today · 4.125%
HK$61,178
baseline
▲ 0.50% · 4.625%
HK$64,900
+HK$3,722/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,356/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,044
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,761
−HK$1,743/mo
Today · 4.125%
HK$67,504
baseline
▲ 0.50% · 4.625%
HK$71,062
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,008/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,963 · Scale 2, in force from 26 Feb 2026)