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$31,965
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,959
−HK$1,010/mo
Today · 4.125%
HK$33,969
baseline
▲ 0.50% · 4.625%
HK$36,036
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,938/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,560
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,514
−HK$968/mo
Today · 4.125%
HK$37,482
baseline
▲ 0.50% · 4.625%
HK$39,457
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,964/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,358
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,551
−HK$1,212/mo
Today · 4.125%
HK$40,763
baseline
▲ 0.50% · 4.625%
HK$43,243
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,526/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,672
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,817
−HK$1,161/mo
Today · 4.125%
HK$44,978
baseline
▲ 0.50% · 4.625%
HK$47,349
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,956/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,750
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,142
−HK$1,415/mo
Today · 4.125%
HK$47,557
baseline
▲ 0.50% · 4.625%
HK$50,450
+HK$2,893/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,114/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,784
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,120
−HK$1,354/mo
Today · 4.125%
HK$52,474
baseline
▲ 0.50% · 4.625%
HK$55,240
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,948/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,326
−HK$1,818/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,865
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,009
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,725
−HK$1,742/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,023
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,675 · Scale 2, in force from 26 Feb 2026)