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$31,998
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$1,011/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$969/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$1,977/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,592
−HK$1,213/mo
Today · 4.125%
HK$40,805
baseline
▲ 0.50% · 4.625%
HK$43,288
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,610/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,862
−HK$1,163/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,398
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,416/mo
Today · 4.125%
HK$47,606
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,212/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,836
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,298
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,596
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,388
−HK$1,820/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,932
+HK$3,724/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,075
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$1,743/mo
Today · 4.125%
HK$67,537
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,074/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,222 · Scale 2, in force from 26 Feb 2026)