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$32,073
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$1,014/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$36,158
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,681
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$970/mo
Today · 4.125%
HK$37,608
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,216/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,685
−HK$1,216/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,817
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,965
−HK$1,165/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,509
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,902
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,299
−HK$1,419/mo
Today · 4.125%
HK$47,718
baseline
▲ 0.50% · 4.625%
HK$50,621
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,436/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,953
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,293
−HK$1,359/mo
Today · 4.125%
HK$52,652
baseline
▲ 0.50% · 4.625%
HK$55,427
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,304/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,731
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,527
−HK$1,824/mo
Today · 4.125%
HK$61,351
baseline
▲ 0.50% · 4.625%
HK$65,084
+HK$3,733/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,702/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,225
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,948
−HK$1,747/mo
Today · 4.125%
HK$67,695
baseline
▲ 0.50% · 4.625%
HK$71,263
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,390/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,455 · Scale 2, in force from 26 Feb 2026)