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$31,949
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$1,010/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$2,066/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$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$967/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,338
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,531
−HK$1,212/mo
Today · 4.125%
HK$40,743
baseline
▲ 0.50% · 4.625%
HK$43,222
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,486/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,651
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,795
−HK$1,160/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,325
+HK$2,370/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$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,728
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,414/mo
Today · 4.125%
HK$47,533
baseline
▲ 0.50% · 4.625%
HK$50,425
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,066/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,760
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,094
−HK$1,354/mo
Today · 4.125%
HK$52,448
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,896/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,508
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,296
−HK$1,818/mo
Today · 4.125%
HK$61,114
baseline
▲ 0.50% · 4.625%
HK$64,833
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,228/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,977
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,693
−HK$1,740/mo
Today · 4.125%
HK$67,433
baseline
▲ 0.50% · 4.625%
HK$70,988
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,866/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,413 · Scale 2, in force from 26 Feb 2026)