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$31,991
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$1,011/mo
Today · 4.125%
HK$33,997
baseline
▲ 0.50% · 4.625%
HK$36,066
+HK$2,069/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,994/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,590
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,544
−HK$969/mo
Today · 4.125%
HK$37,513
baseline
▲ 0.50% · 4.625%
HK$39,490
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,026/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,213/mo
Today · 4.125%
HK$40,797
baseline
▲ 0.50% · 4.625%
HK$43,279
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,594/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,708
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,853
−HK$1,162/mo
Today · 4.125%
HK$45,015
baseline
▲ 0.50% · 4.625%
HK$47,388
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,030/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,788
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,181
−HK$1,415/mo
Today · 4.125%
HK$47,596
baseline
▲ 0.50% · 4.625%
HK$50,492
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,192/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,826
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,162
−HK$1,356/mo
Today · 4.125%
HK$52,518
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,036/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,584
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,375
−HK$1,820/mo
Today · 4.125%
HK$61,195
baseline
▲ 0.50% · 4.625%
HK$64,919
+HK$3,724/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,390/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,062
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,780
−HK$1,743/mo
Today · 4.125%
HK$67,523
baseline
▲ 0.50% · 4.625%
HK$71,082
+HK$3,559/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,046/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,112 · Scale 2, in force from 26 Feb 2026)