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$31,986
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$1,011/mo
Today · 4.125%
HK$33,992
baseline
▲ 0.50% · 4.625%
HK$36,060
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,984/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,584
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,539
−HK$968/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,383
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,213/mo
Today · 4.125%
HK$40,790
baseline
▲ 0.50% · 4.625%
HK$43,272
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,580/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,701
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,846
−HK$1,162/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,381
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,016/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,781
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,174
−HK$1,415/mo
Today · 4.125%
HK$47,589
baseline
▲ 0.50% · 4.625%
HK$50,484
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,178/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,818
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,154
−HK$1,355/mo
Today · 4.125%
HK$52,509
baseline
▲ 0.50% · 4.625%
HK$55,277
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,018/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,575
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,366
−HK$1,819/mo
Today · 4.125%
HK$61,185
baseline
▲ 0.50% · 4.625%
HK$64,908
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,370/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,052
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,769
−HK$1,743/mo
Today · 4.125%
HK$67,512
baseline
▲ 0.50% · 4.625%
HK$71,071
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,024/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,029 · Scale 2, in force from 26 Feb 2026)