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$31,981
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$1,011/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$968/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,378
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,213/mo
Today · 4.125%
HK$40,784
baseline
▲ 0.50% · 4.625%
HK$43,266
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,568/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,695
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,161/mo
Today · 4.125%
HK$45,001
baseline
▲ 0.50% · 4.625%
HK$47,373
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,002/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,166
−HK$1,415/mo
Today · 4.125%
HK$47,581
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,162/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,810
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,146
−HK$1,355/mo
Today · 4.125%
HK$52,501
baseline
▲ 0.50% · 4.625%
HK$55,269
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,002/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,566
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,357
−HK$1,819/mo
Today · 4.125%
HK$61,176
baseline
▲ 0.50% · 4.625%
HK$64,899
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,352/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,042
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,759
−HK$1,743/mo
Today · 4.125%
HK$67,502
baseline
▲ 0.50% · 4.625%
HK$71,060
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$135,004/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,949 · Scale 2, in force from 26 Feb 2026)