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$31,969
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,963
−HK$1,011/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$36,041
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,565
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$968/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,463
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,213/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$43,249
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,678
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,823
−HK$1,161/mo
Today · 4.125%
HK$44,984
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,968/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,149
−HK$1,414/mo
Today · 4.125%
HK$47,563
baseline
▲ 0.50% · 4.625%
HK$50,457
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,126/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,791
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,127
−HK$1,354/mo
Today · 4.125%
HK$52,481
baseline
▲ 0.50% · 4.625%
HK$55,248
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,962/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,544
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,819/mo
Today · 4.125%
HK$61,153
baseline
▲ 0.50% · 4.625%
HK$64,874
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,306/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,017
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,734
−HK$1,742/mo
Today · 4.125%
HK$67,476
baseline
▲ 0.50% · 4.625%
HK$71,033
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,952/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,748 · Scale 2, in force from 26 Feb 2026)