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$31,974
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$1,010/mo
Today · 4.125%
HK$33,979
baseline
▲ 0.50% · 4.625%
HK$36,047
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,958/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,571
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,525
−HK$968/mo
Today · 4.125%
HK$37,493
baseline
▲ 0.50% · 4.625%
HK$39,469
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,986/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,562
−HK$1,213/mo
Today · 4.125%
HK$40,775
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,550/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,830
−HK$1,161/mo
Today · 4.125%
HK$44,991
baseline
▲ 0.50% · 4.625%
HK$47,363
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,982/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,764
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,415/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,465
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,799
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,135
−HK$1,355/mo
Today · 4.125%
HK$52,490
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,980/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,553
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,343
−HK$1,819/mo
Today · 4.125%
HK$61,162
baseline
▲ 0.50% · 4.625%
HK$64,884
+HK$3,722/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,324/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,027
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,744
−HK$1,743/mo
Today · 4.125%
HK$67,487
baseline
▲ 0.50% · 4.625%
HK$71,044
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,974/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,829 · Scale 2, in force from 26 Feb 2026)