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$31,978
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,973
−HK$1,010/mo
Today · 4.125%
HK$33,983
baseline
▲ 0.50% · 4.625%
HK$36,051
+HK$2,068/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,966/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,575
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$968/mo
Today · 4.125%
HK$37,497
baseline
▲ 0.50% · 4.625%
HK$39,474
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,994/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,374
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,213/mo
Today · 4.125%
HK$40,780
baseline
▲ 0.50% · 4.625%
HK$43,261
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,560/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,835
−HK$1,162/mo
Today · 4.125%
HK$44,997
baseline
▲ 0.50% · 4.625%
HK$47,368
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,994/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,162
−HK$1,415/mo
Today · 4.125%
HK$47,577
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,154/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,141
−HK$1,355/mo
Today · 4.125%
HK$52,496
baseline
▲ 0.50% · 4.625%
HK$55,263
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,992/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,560
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,819/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,892
+HK$3,722/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,035
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$1,742/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,894 · Scale 2, in force from 26 Feb 2026)