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$31,954
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$1,009/mo
Today · 4.125%
HK$33,957
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,914/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,548
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$967/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,537
−HK$1,212/mo
Today · 4.125%
HK$40,749
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,479/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,498/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,802
−HK$1,160/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,332
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,735
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,127
−HK$1,413/mo
Today · 4.125%
HK$47,540
baseline
▲ 0.50% · 4.625%
HK$50,433
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,080/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,767
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,102
−HK$1,354/mo
Today · 4.125%
HK$52,456
baseline
▲ 0.50% · 4.625%
HK$55,221
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,912/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,306
−HK$1,817/mo
Today · 4.125%
HK$61,123
baseline
▲ 0.50% · 4.625%
HK$64,843
+HK$3,720/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,246/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,703
−HK$1,741/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$70,999
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,495 · Scale 2, in force from 26 Feb 2026)