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$31,967
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$1,011/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$36,039
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,563
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,517
−HK$967/mo
Today · 4.125%
HK$37,484
baseline
▲ 0.50% · 4.625%
HK$39,460
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,968/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,361
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,554
−HK$1,212/mo
Today · 4.125%
HK$40,766
baseline
▲ 0.50% · 4.625%
HK$43,247
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,532/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,676
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,820
−HK$1,161/mo
Today · 4.125%
HK$44,981
baseline
▲ 0.50% · 4.625%
HK$47,352
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,962/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,754
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,146
−HK$1,414/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,454
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,788
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,124
−HK$1,354/mo
Today · 4.125%
HK$52,478
baseline
▲ 0.50% · 4.625%
HK$55,244
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,956/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,541
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,331
−HK$1,818/mo
Today · 4.125%
HK$61,149
baseline
▲ 0.50% · 4.625%
HK$64,870
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,298/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,014
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,730
−HK$1,742/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,029
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,944/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,716 · Scale 2, in force from 26 Feb 2026)