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$31,966
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$1,010/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$36,038
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,516
−HK$967/mo
Today · 4.125%
HK$37,483
baseline
▲ 0.50% · 4.625%
HK$39,459
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,966/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,213/mo
Today · 4.125%
HK$40,765
baseline
▲ 0.50% · 4.625%
HK$43,245
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,530/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,161/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,752
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,144
−HK$1,415/mo
Today · 4.125%
HK$47,559
baseline
▲ 0.50% · 4.625%
HK$50,453
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,118/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,787
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,122
−HK$1,354/mo
Today · 4.125%
HK$52,476
baseline
▲ 0.50% · 4.625%
HK$55,242
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,952/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,539
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,328
−HK$1,819/mo
Today · 4.125%
HK$61,147
baseline
▲ 0.50% · 4.625%
HK$64,868
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,294/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,011
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,728
−HK$1,742/mo
Today · 4.125%
HK$67,470
baseline
▲ 0.50% · 4.625%
HK$71,026
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,940/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,697 · Scale 2, in force from 26 Feb 2026)