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$31,973
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$1,010/mo
Today · 4.125%
HK$33,978
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,956/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,570
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$968/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,368
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,561
−HK$1,213/mo
Today · 4.125%
HK$40,774
baseline
▲ 0.50% · 4.625%
HK$43,255
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,548/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,684
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,829
−HK$1,161/mo
Today · 4.125%
HK$44,990
baseline
▲ 0.50% · 4.625%
HK$47,362
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,980/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,763
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,415/mo
Today · 4.125%
HK$47,570
baseline
▲ 0.50% · 4.625%
HK$50,464
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,140/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,798
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,354/mo
Today · 4.125%
HK$52,488
baseline
▲ 0.50% · 4.625%
HK$55,255
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,976/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,552
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,819/mo
Today · 4.125%
HK$61,161
baseline
▲ 0.50% · 4.625%
HK$64,882
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,322/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,026
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,743
−HK$1,742/mo
Today · 4.125%
HK$67,485
baseline
▲ 0.50% · 4.625%
HK$71,042
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,970/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,818 · Scale 2, in force from 26 Feb 2026)