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$31,969
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,963
−HK$1,010/mo
Today · 4.125%
HK$33,973
baseline
▲ 0.50% · 4.625%
HK$36,041
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,946/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,565
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$967/mo
Today · 4.125%
HK$37,486
baseline
▲ 0.50% · 4.625%
HK$39,462
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,972/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,362
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,212/mo
Today · 4.125%
HK$40,768
baseline
▲ 0.50% · 4.625%
HK$43,249
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,536/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,678
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,822
−HK$1,161/mo
Today · 4.125%
HK$44,983
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,966/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,415/mo
Today · 4.125%
HK$47,563
baseline
▲ 0.50% · 4.625%
HK$50,457
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,126/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,791
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,126
−HK$1,355/mo
Today · 4.125%
HK$52,481
baseline
▲ 0.50% · 4.625%
HK$55,247
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,962/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,544
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,333
−HK$1,819/mo
Today · 4.125%
HK$61,152
baseline
▲ 0.50% · 4.625%
HK$64,873
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,304/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,017
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,733
−HK$1,742/mo
Today · 4.125%
HK$67,475
baseline
▲ 0.50% · 4.625%
HK$71,032
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,950/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,741 · Scale 2, in force from 26 Feb 2026)