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$31,993
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$1,011/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$36,068
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,546
−HK$969/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$1,977/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,391
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,213/mo
Today · 4.125%
HK$40,799
baseline
▲ 0.50% · 4.625%
HK$43,281
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,598/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,162/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,790
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,416/mo
Today · 4.125%
HK$47,599
baseline
▲ 0.50% · 4.625%
HK$50,495
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,198/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,165
−HK$1,356/mo
Today · 4.125%
HK$52,521
baseline
▲ 0.50% · 4.625%
HK$55,289
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,042/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,587
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,378
−HK$1,820/mo
Today · 4.125%
HK$61,198
baseline
▲ 0.50% · 4.625%
HK$64,922
+HK$3,724/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,396/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,065
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,783
−HK$1,743/mo
Today · 4.125%
HK$67,526
baseline
▲ 0.50% · 4.625%
HK$71,086
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,052/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,140 · Scale 2, in force from 26 Feb 2026)