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$31,962
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,956
−HK$1,010/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$36,033
+HK$2,067/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,511
−HK$967/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,454
+HK$1,976/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,354
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,547
−HK$1,212/mo
Today · 4.125%
HK$40,759
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,480/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$81,518/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,669
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,161/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,344
+HK$2,370/mo
Deposit HK$5.61M · loan HK$8.41M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,746
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,138
−HK$1,414/mo
Today · 4.125%
HK$47,552
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,894/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$95,104/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,115
−HK$1,354/mo
Today · 4.125%
HK$52,469
baseline
▲ 0.50% · 4.625%
HK$55,235
+HK$2,766/mo
Deposit HK$4.21M · loan HK$9.81M · min. income ≈ HK$104,938/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,531
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,321
−HK$1,818/mo
Today · 4.125%
HK$61,139
baseline
▲ 0.50% · 4.625%
HK$64,859
+HK$3,720/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$122,278/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,003
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,719
−HK$1,742/mo
Today · 4.125%
HK$67,461
baseline
▲ 0.50% · 4.625%
HK$71,017
+HK$3,556/mo
Deposit HK$1.40M · loan HK$12.62M · min. income ≈ HK$134,922/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,628 · Scale 2, in force from 26 Feb 2026)