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$31,970
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,964
−HK$1,011/mo
Today · 4.125%
HK$33,975
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,950/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,520
−HK$968/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,464
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,364
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,557
−HK$1,213/mo
Today · 4.125%
HK$40,770
baseline
▲ 0.50% · 4.625%
HK$43,251
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,540/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,680
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,161/mo
Today · 4.125%
HK$44,985
baseline
▲ 0.50% · 4.625%
HK$47,357
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,970/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,758
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,150
−HK$1,415/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,459
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,793
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,128
−HK$1,355/mo
Today · 4.125%
HK$52,483
baseline
▲ 0.50% · 4.625%
HK$55,249
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,966/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,546
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,336
−HK$1,819/mo
Today · 4.125%
HK$61,155
baseline
▲ 0.50% · 4.625%
HK$64,876
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,310/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,019
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,736
−HK$1,742/mo
Today · 4.125%
HK$67,478
baseline
▲ 0.50% · 4.625%
HK$71,035
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,956/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,764 · Scale 2, in force from 26 Feb 2026)