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$31,952
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$1,009/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$36,022
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$967/mo
Today · 4.125%
HK$37,466
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,932/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,342
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,535
−HK$1,212/mo
Today · 4.125%
HK$40,747
baseline
▲ 0.50% · 4.625%
HK$43,226
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,494/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,655
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,799
−HK$1,161/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,330
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,732
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,124
−HK$1,414/mo
Today · 4.125%
HK$47,538
baseline
▲ 0.50% · 4.625%
HK$50,430
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,076/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,764
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,099
−HK$1,354/mo
Today · 4.125%
HK$52,453
baseline
▲ 0.50% · 4.625%
HK$55,218
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,906/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,513
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,302
−HK$1,818/mo
Today · 4.125%
HK$61,120
baseline
▲ 0.50% · 4.625%
HK$64,839
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,240/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,983
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,699
−HK$1,741/mo
Today · 4.125%
HK$67,440
baseline
▲ 0.50% · 4.625%
HK$70,994
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,880/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,464 · Scale 2, in force from 26 Feb 2026)