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$31,980
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,975
−HK$1,011/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$36,054
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,532
−HK$968/mo
Today · 4.125%
HK$37,500
baseline
▲ 0.50% · 4.625%
HK$39,477
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,000/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,376
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,213/mo
Today · 4.125%
HK$40,783
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,566/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,693
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,162/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,772
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,165
−HK$1,415/mo
Today · 4.125%
HK$47,580
baseline
▲ 0.50% · 4.625%
HK$50,475
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,160/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,809
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,145
−HK$1,355/mo
Today · 4.125%
HK$52,500
baseline
▲ 0.50% · 4.625%
HK$55,267
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,000/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,565
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,355
−HK$1,819/mo
Today · 4.125%
HK$61,174
baseline
▲ 0.50% · 4.625%
HK$64,897
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,348/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,040
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,757
−HK$1,743/mo
Today · 4.125%
HK$67,500
baseline
▲ 0.50% · 4.625%
HK$71,058
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,000/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,933 · Scale 2, in force from 26 Feb 2026)