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$31,963
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,957
−HK$1,010/mo
Today · 4.125%
HK$33,967
baseline
▲ 0.50% · 4.625%
HK$36,034
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,934/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,558
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$967/mo
Today · 4.125%
HK$37,479
baseline
▲ 0.50% · 4.625%
HK$39,455
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,958/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,355
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,212/mo
Today · 4.125%
HK$40,760
baseline
▲ 0.50% · 4.625%
HK$43,240
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,520/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,670
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,161/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,748
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,415/mo
Today · 4.125%
HK$47,554
baseline
▲ 0.50% · 4.625%
HK$50,447
+HK$2,893/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,108/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,781
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,116
−HK$1,355/mo
Today · 4.125%
HK$52,471
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,942/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,533
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,818/mo
Today · 4.125%
HK$61,140
baseline
▲ 0.50% · 4.625%
HK$64,861
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,280/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,721
−HK$1,741/mo
Today · 4.125%
HK$67,462
baseline
▲ 0.50% · 4.625%
HK$71,018
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,924/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,641 · Scale 2, in force from 26 Feb 2026)