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$31,953
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,947
−HK$1,010/mo
Today · 4.125%
HK$33,957
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,914/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,548
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,501
−HK$967/mo
Today · 4.125%
HK$37,468
baseline
▲ 0.50% · 4.625%
HK$39,443
+HK$1,975/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,936/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,537
−HK$1,211/mo
Today · 4.125%
HK$40,748
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,496/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,161/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,332
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,735
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,126
−HK$1,414/mo
Today · 4.125%
HK$47,540
baseline
▲ 0.50% · 4.625%
HK$50,433
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,080/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,767
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,102
−HK$1,354/mo
Today · 4.125%
HK$52,456
baseline
▲ 0.50% · 4.625%
HK$55,221
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,912/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,516
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,305
−HK$1,818/mo
Today · 4.125%
HK$61,123
baseline
▲ 0.50% · 4.625%
HK$64,842
+HK$3,719/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,246/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,986
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,702
−HK$1,741/mo
Today · 4.125%
HK$67,443
baseline
▲ 0.50% · 4.625%
HK$70,998
+HK$3,555/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,886/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,489 · Scale 2, in force from 26 Feb 2026)