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$31,977
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,972
−HK$1,011/mo
Today · 4.125%
HK$33,983
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$2,067/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$525,885 · 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$39,473
+HK$1,976/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$525,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,373
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,566
−HK$1,213/mo
Today · 4.125%
HK$40,779
baseline
▲ 0.50% · 4.625%
HK$43,261
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,558/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,689
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,834
−HK$1,162/mo
Today · 4.125%
HK$44,996
baseline
▲ 0.50% · 4.625%
HK$47,368
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,992/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$525,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,768
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,415/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,895/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,355/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,559
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,350
−HK$1,819/mo
Today · 4.125%
HK$61,169
baseline
▲ 0.50% · 4.625%
HK$64,891
+HK$3,722/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,338/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,034
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,752
−HK$1,742/mo
Today · 4.125%
HK$67,494
baseline
▲ 0.50% · 4.625%
HK$71,051
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,988/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,885 · Scale 2, in force from 26 Feb 2026)