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$32,968
−HK$1,011/mo
Today · 4.125%
HK$33,979
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$2,067/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$525,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,571
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$968/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,469
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,826 · 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$525,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,829
−HK$1,162/mo
Today · 4.125%
HK$44,991
baseline
▲ 0.50% · 4.625%
HK$47,362
+HK$2,371/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$525,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,763
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,414/mo
Today · 4.125%
HK$47,570
baseline
▲ 0.50% · 4.625%
HK$50,465
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,140/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,799
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,355/mo
Today · 4.125%
HK$52,489
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,978/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,826 · 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$64,883
+HK$3,721/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$525,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,027
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,744
−HK$1,742/mo
Today · 4.125%
HK$67,486
baseline
▲ 0.50% · 4.625%
HK$71,043
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,972/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,826 · Scale 2, in force from 26 Feb 2026)