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$32,077
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$1,013/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$36,163
+HK$2,075/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,685
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$971/mo
Today · 4.125%
HK$37,613
baseline
▲ 0.50% · 4.625%
HK$39,596
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,226/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,690
−HK$1,216/mo
Today · 4.125%
HK$40,906
baseline
▲ 0.50% · 4.625%
HK$43,395
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,812/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,822
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,971
−HK$1,165/mo
Today · 4.125%
HK$45,136
baseline
▲ 0.50% · 4.625%
HK$47,515
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,272/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,908
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,304
−HK$1,420/mo
Today · 4.125%
HK$47,724
baseline
▲ 0.50% · 4.625%
HK$50,628
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,448/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,959
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,299
−HK$1,359/mo
Today · 4.125%
HK$52,658
baseline
▲ 0.50% · 4.625%
HK$55,434
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,316/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,738
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,534
−HK$1,825/mo
Today · 4.125%
HK$61,359
baseline
▲ 0.50% · 4.625%
HK$65,093
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,718/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,233
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,956
−HK$1,748/mo
Today · 4.125%
HK$67,704
baseline
▲ 0.50% · 4.625%
HK$71,272
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,408/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,520 · Scale 2, in force from 26 Feb 2026)