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$32,001
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$1,011/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$36,077
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,600
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,555
−HK$969/mo
Today · 4.125%
HK$37,524
baseline
▲ 0.50% · 4.625%
HK$39,502
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,048/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,401
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,214/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,866
−HK$1,163/mo
Today · 4.125%
HK$45,029
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,058/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,801
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,416/mo
Today · 4.125%
HK$47,610
baseline
▲ 0.50% · 4.625%
HK$50,507
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,220/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,841
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,177
−HK$1,356/mo
Today · 4.125%
HK$52,533
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,066/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,601
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,393
−HK$1,820/mo
Today · 4.125%
HK$61,213
baseline
▲ 0.50% · 4.625%
HK$64,938
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,426/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,081
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,799
−HK$1,744/mo
Today · 4.125%
HK$67,543
baseline
▲ 0.50% · 4.625%
HK$71,103
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,086/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,268 · Scale 2, in force from 26 Feb 2026)