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$31,976
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,970
−HK$1,011/mo
Today · 4.125%
HK$33,981
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,962/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,573
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,527
−HK$968/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,471
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,371
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,564
−HK$1,213/mo
Today · 4.125%
HK$40,777
baseline
▲ 0.50% · 4.625%
HK$43,258
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,554/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,161/mo
Today · 4.125%
HK$44,993
baseline
▲ 0.50% · 4.625%
HK$47,365
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,986/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,766
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,158
−HK$1,415/mo
Today · 4.125%
HK$47,573
baseline
▲ 0.50% · 4.625%
HK$50,468
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,146/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,802
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,137
−HK$1,355/mo
Today · 4.125%
HK$52,492
baseline
▲ 0.50% · 4.625%
HK$55,259
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,984/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,556
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,347
−HK$1,819/mo
Today · 4.125%
HK$61,166
baseline
▲ 0.50% · 4.625%
HK$64,887
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,332/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,031
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,748
−HK$1,742/mo
Today · 4.125%
HK$67,490
baseline
▲ 0.50% · 4.625%
HK$71,048
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,980/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,857 · Scale 2, in force from 26 Feb 2026)