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$31,957
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$1,010/mo
Today · 4.125%
HK$33,961
baseline
▲ 0.50% · 4.625%
HK$36,027
+HK$2,066/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,922/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,505
−HK$967/mo
Today · 4.125%
HK$37,472
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,944/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,541
−HK$1,212/mo
Today · 4.125%
HK$40,753
baseline
▲ 0.50% · 4.625%
HK$43,233
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,506/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,662
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,806
−HK$1,161/mo
Today · 4.125%
HK$44,967
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,934/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,740
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,131
−HK$1,414/mo
Today · 4.125%
HK$47,545
baseline
▲ 0.50% · 4.625%
HK$50,438
+HK$2,893/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,090/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,772
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,107
−HK$1,354/mo
Today · 4.125%
HK$52,461
baseline
▲ 0.50% · 4.625%
HK$55,227
+HK$2,766/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,922/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,522
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,312
−HK$1,817/mo
Today · 4.125%
HK$61,129
baseline
▲ 0.50% · 4.625%
HK$64,849
+HK$3,720/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,258/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,993
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,709
−HK$1,741/mo
Today · 4.125%
HK$67,450
baseline
▲ 0.50% · 4.625%
HK$71,006
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,900/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,547 · Scale 2, in force from 26 Feb 2026)