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$32,094
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$1,014/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$972/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,512
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,710
−HK$1,217/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,418
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,844
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,994
−HK$1,165/mo
Today · 4.125%
HK$45,159
baseline
▲ 0.50% · 4.625%
HK$47,540
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,318/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,931
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,329
−HK$1,420/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,654
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,985
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,326
−HK$1,360/mo
Today · 4.125%
HK$52,686
baseline
▲ 0.50% · 4.625%
HK$55,463
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,372/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,768
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,565
−HK$1,826/mo
Today · 4.125%
HK$61,391
baseline
▲ 0.50% · 4.625%
HK$65,126
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,782/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,267
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,990
−HK$1,749/mo
Today · 4.125%
HK$67,739
baseline
▲ 0.50% · 4.625%
HK$71,309
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,478/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,795 · Scale 2, in force from 26 Feb 2026)