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$31,975
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$1,011/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$36,048
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,572
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,526
−HK$968/mo
Today · 4.125%
HK$37,494
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,988/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,370
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,213/mo
Today · 4.125%
HK$40,776
baseline
▲ 0.50% · 4.625%
HK$43,257
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,552/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,686
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,831
−HK$1,161/mo
Today · 4.125%
HK$44,992
baseline
▲ 0.50% · 4.625%
HK$47,364
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,984/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,765
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,157
−HK$1,415/mo
Today · 4.125%
HK$47,572
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,144/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,136
−HK$1,355/mo
Today · 4.125%
HK$52,491
baseline
▲ 0.50% · 4.625%
HK$55,258
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,982/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,819/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,722/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,029
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,746
−HK$1,742/mo
Today · 4.125%
HK$67,488
baseline
▲ 0.50% · 4.625%
HK$71,046
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,976/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,843 · Scale 2, in force from 26 Feb 2026)