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$31,958
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,952
−HK$1,010/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,553
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$967/mo
Today · 4.125%
HK$37,474
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,948/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,350
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,543
−HK$1,212/mo
Today · 4.125%
HK$40,755
baseline
▲ 0.50% · 4.625%
HK$43,235
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,510/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,664
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,161/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,339
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,133
−HK$1,414/mo
Today · 4.125%
HK$47,547
baseline
▲ 0.50% · 4.625%
HK$50,441
+HK$2,894/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,094/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,775
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,110
−HK$1,354/mo
Today · 4.125%
HK$52,464
baseline
▲ 0.50% · 4.625%
HK$55,229
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,928/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,525
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,314
−HK$1,818/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,852
+HK$3,720/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,996
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,712
−HK$1,742/mo
Today · 4.125%
HK$67,454
baseline
▲ 0.50% · 4.625%
HK$71,009
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,908/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,573 · Scale 2, in force from 26 Feb 2026)