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$31,971
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,965
−HK$1,011/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$36,043
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,567
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,521
−HK$968/mo
Today · 4.125%
HK$37,489
baseline
▲ 0.50% · 4.625%
HK$39,465
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,978/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,365
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,558
−HK$1,213/mo
Today · 4.125%
HK$40,771
baseline
▲ 0.50% · 4.625%
HK$43,252
+HK$2,481/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,542/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,681
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,825
−HK$1,162/mo
Today · 4.125%
HK$44,987
baseline
▲ 0.50% · 4.625%
HK$47,358
+HK$2,371/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,974/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,151
−HK$1,415/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,794
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,130
−HK$1,354/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,251
+HK$2,767/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,547
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,338
−HK$1,818/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,877
+HK$3,721/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,021
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,738
−HK$1,742/mo
Today · 4.125%
HK$67,480
baseline
▲ 0.50% · 4.625%
HK$71,037
+HK$3,557/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,960/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,777 · Scale 2, in force from 26 Feb 2026)