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$32,079
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$1,013/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$36,165
+HK$2,075/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,687
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$971/mo
Today · 4.125%
HK$37,615
baseline
▲ 0.50% · 4.625%
HK$39,598
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,230/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,692
−HK$1,217/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,398
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,825
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,166/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,910
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,307
−HK$1,420/mo
Today · 4.125%
HK$47,727
baseline
▲ 0.50% · 4.625%
HK$50,631
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,454/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,962
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,302
−HK$1,360/mo
Today · 4.125%
HK$52,662
baseline
▲ 0.50% · 4.625%
HK$55,438
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,324/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,742
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,538
−HK$1,825/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$65,097
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,237
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,960
−HK$1,748/mo
Today · 4.125%
HK$67,708
baseline
▲ 0.50% · 4.625%
HK$71,277
+HK$3,569/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,416/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,554 · Scale 2, in force from 26 Feb 2026)