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$31,987
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$1,011/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$36,062
+HK$2,069/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$968/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$1,977/mo
Deposit HK$7.01M · loan HK$7.01M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,213/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$43,274
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,848
−HK$1,162/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,382
+HK$2,372/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,175
−HK$1,415/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,486
+HK$2,896/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,820
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,156
−HK$1,355/mo
Today · 4.125%
HK$52,511
baseline
▲ 0.50% · 4.625%
HK$55,279
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,022/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,577
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,368
−HK$1,820/mo
Today · 4.125%
HK$61,188
baseline
▲ 0.50% · 4.625%
HK$64,911
+HK$3,723/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,376/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,054
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,772
−HK$1,743/mo
Today · 4.125%
HK$67,515
baseline
▲ 0.50% · 4.625%
HK$71,073
+HK$3,558/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,030/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,048 · Scale 2, in force from 26 Feb 2026)