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$31,990
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,985
−HK$1,011/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$36,065
+HK$2,069/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,543
−HK$968/mo
Today · 4.125%
HK$37,511
baseline
▲ 0.50% · 4.625%
HK$39,489
+HK$1,978/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,022/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,388
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,582
−HK$1,213/mo
Today · 4.125%
HK$40,795
baseline
▲ 0.50% · 4.625%
HK$43,278
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,590/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,706
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,852
−HK$1,162/mo
Today · 4.125%
HK$45,014
baseline
▲ 0.50% · 4.625%
HK$47,386
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,028/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,415/mo
Today · 4.125%
HK$47,594
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,188/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,824
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,356/mo
Today · 4.125%
HK$52,516
baseline
▲ 0.50% · 4.625%
HK$55,284
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,032/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,373
−HK$1,820/mo
Today · 4.125%
HK$61,193
baseline
▲ 0.50% · 4.625%
HK$64,916
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,386/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,059
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,777
−HK$1,743/mo
Today · 4.125%
HK$67,520
baseline
▲ 0.50% · 4.625%
HK$71,079
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,040/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,092 · Scale 2, in force from 26 Feb 2026)