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$31,955
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,949
−HK$1,010/mo
Today · 4.125%
HK$33,959
baseline
▲ 0.50% · 4.625%
HK$36,025
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,918/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,550
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,503
−HK$967/mo
Today · 4.125%
HK$37,470
baseline
▲ 0.50% · 4.625%
HK$39,445
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,940/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,346
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,212/mo
Today · 4.125%
HK$40,751
baseline
▲ 0.50% · 4.625%
HK$43,230
+HK$2,479/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,502/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,660
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,804
−HK$1,160/mo
Today · 4.125%
HK$44,964
baseline
▲ 0.50% · 4.625%
HK$47,335
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,928/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,737
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,129
−HK$1,413/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,435
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,770
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,104
−HK$1,354/mo
Today · 4.125%
HK$52,458
baseline
▲ 0.50% · 4.625%
HK$55,224
+HK$2,766/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,916/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,519
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,308
−HK$1,818/mo
Today · 4.125%
HK$61,126
baseline
▲ 0.50% · 4.625%
HK$64,845
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,252/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,989
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,706
−HK$1,741/mo
Today · 4.125%
HK$67,447
baseline
▲ 0.50% · 4.625%
HK$71,002
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,894/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,518 · Scale 2, in force from 26 Feb 2026)