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$31,985
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,980
−HK$1,011/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,583
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$968/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,483
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,576
−HK$1,213/mo
Today · 4.125%
HK$40,789
baseline
▲ 0.50% · 4.625%
HK$43,271
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,578/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,700
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,845
−HK$1,162/mo
Today · 4.125%
HK$45,007
baseline
▲ 0.50% · 4.625%
HK$47,379
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,014/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,779
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,172
−HK$1,415/mo
Today · 4.125%
HK$47,587
baseline
▲ 0.50% · 4.625%
HK$50,483
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,174/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,817
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,153
−HK$1,355/mo
Today · 4.125%
HK$52,508
baseline
▲ 0.50% · 4.625%
HK$55,276
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,016/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,573
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,364
−HK$1,820/mo
Today · 4.125%
HK$61,184
baseline
▲ 0.50% · 4.625%
HK$64,907
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,368/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,050
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,768
−HK$1,742/mo
Today · 4.125%
HK$67,510
baseline
▲ 0.50% · 4.625%
HK$71,069
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,020/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,015 · Scale 2, in force from 26 Feb 2026)