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$2,005/mo
▼ 0.25% · 3.875%
HK$32,977
−HK$1,010/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,534
−HK$968/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$1,976/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$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,378
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,572
−HK$1,213/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$43,266
+HK$2,481/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$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,695
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,162/mo
Today · 4.125%
HK$45,002
baseline
▲ 0.50% · 4.625%
HK$47,374
+HK$2,372/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$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,167
−HK$1,415/mo
Today · 4.125%
HK$47,582
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,164/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,811
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,147
−HK$1,355/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,270
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,567
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,358
−HK$1,819/mo
Today · 4.125%
HK$61,177
baseline
▲ 0.50% · 4.625%
HK$64,900
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,354/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,043
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,761
−HK$1,742/mo
Today · 4.125%
HK$67,503
baseline
▲ 0.50% · 4.625%
HK$71,061
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,006/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,957 · Scale 2, in force from 26 Feb 2026)