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$31,989
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$1,011/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$2,069/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$968/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,487
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,387
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,213/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$43,276
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,850
−HK$1,162/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,785
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,415/mo
Today · 4.125%
HK$47,593
baseline
▲ 0.50% · 4.625%
HK$50,489
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,186/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,823
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,159
−HK$1,355/mo
Today · 4.125%
HK$52,514
baseline
▲ 0.50% · 4.625%
HK$55,282
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,028/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,580
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,371
−HK$1,820/mo
Today · 4.125%
HK$61,191
baseline
▲ 0.50% · 4.625%
HK$64,914
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,382/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,058
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,776
−HK$1,742/mo
Today · 4.125%
HK$67,518
baseline
▲ 0.50% · 4.625%
HK$71,077
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,036/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,078 · Scale 2, in force from 26 Feb 2026)