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$31,977
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$1,011/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,574
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,528
−HK$968/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,372
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,566
−HK$1,212/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,689
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,834
−HK$1,161/mo
Today · 4.125%
HK$44,995
baseline
▲ 0.50% · 4.625%
HK$47,367
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,990/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,768
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,160
−HK$1,415/mo
Today · 4.125%
HK$47,575
baseline
▲ 0.50% · 4.625%
HK$50,470
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,150/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,803
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,139
−HK$1,355/mo
Today · 4.125%
HK$52,494
baseline
▲ 0.50% · 4.625%
HK$55,261
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,988/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,558
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,349
−HK$1,819/mo
Today · 4.125%
HK$61,168
baseline
▲ 0.50% · 4.625%
HK$64,890
+HK$3,722/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,336/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,033
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,750
−HK$1,742/mo
Today · 4.125%
HK$67,492
baseline
▲ 0.50% · 4.625%
HK$71,050
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,984/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,876 · Scale 2, in force from 26 Feb 2026)