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$31,948
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$1,010/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$36,017
+HK$2,065/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,904/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,542
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$967/mo
Today · 4.125%
HK$37,462
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,924/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,338
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,530
−HK$1,212/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$43,221
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,650
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,794
−HK$1,161/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,324
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,727
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,413/mo
Today · 4.125%
HK$47,532
baseline
▲ 0.50% · 4.625%
HK$50,424
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,064/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,759
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,354/mo
Today · 4.125%
HK$52,447
baseline
▲ 0.50% · 4.625%
HK$55,212
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,894/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,507
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,295
−HK$1,818/mo
Today · 4.125%
HK$61,113
baseline
▲ 0.50% · 4.625%
HK$64,831
+HK$3,718/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,226/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,691
−HK$1,741/mo
Today · 4.125%
HK$67,432
baseline
▲ 0.50% · 4.625%
HK$70,986
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,864/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,404 · Scale 2, in force from 26 Feb 2026)