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$31,950
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$1,009/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$36,019
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$967/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,439
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,212/mo
Today · 4.125%
HK$40,744
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,488/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,161/mo
Today · 4.125%
HK$44,957
baseline
▲ 0.50% · 4.625%
HK$47,327
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,914/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,414/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,427
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,761
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,354/mo
Today · 4.125%
HK$52,450
baseline
▲ 0.50% · 4.625%
HK$55,214
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,900/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,509
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,298
−HK$1,818/mo
Today · 4.125%
HK$61,116
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,232/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$1,740/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,430 · Scale 2, in force from 26 Feb 2026)