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$31,997
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$1,011/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$969/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,591
−HK$1,214/mo
Today · 4.125%
HK$40,805
baseline
▲ 0.50% · 4.625%
HK$43,287
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,610/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,716
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,862
−HK$1,162/mo
Today · 4.125%
HK$45,024
baseline
▲ 0.50% · 4.625%
HK$47,397
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,048/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,796
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,415/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,502
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,835
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,172
−HK$1,356/mo
Today · 4.125%
HK$52,528
baseline
▲ 0.50% · 4.625%
HK$55,297
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,056/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,595
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,387
−HK$1,820/mo
Today · 4.125%
HK$61,207
baseline
▲ 0.50% · 4.625%
HK$64,931
+HK$3,724/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,414/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,074
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,792
−HK$1,744/mo
Today · 4.125%
HK$67,536
baseline
▲ 0.50% · 4.625%
HK$71,096
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,072/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,213 · Scale 2, in force from 26 Feb 2026)