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$32,105
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,104
−HK$1,015/mo
Today · 4.125%
HK$34,119
baseline
▲ 0.50% · 4.625%
HK$36,195
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,238/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,717
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$972/mo
Today · 4.125%
HK$37,647
baseline
▲ 0.50% · 4.625%
HK$39,631
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,294/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,527
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,725
−HK$1,218/mo
Today · 4.125%
HK$40,943
baseline
▲ 0.50% · 4.625%
HK$43,434
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,886/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,010
−HK$1,166/mo
Today · 4.125%
HK$45,176
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,352/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,948
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,346
−HK$1,420/mo
Today · 4.125%
HK$47,766
baseline
▲ 0.50% · 4.625%
HK$50,673
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,532/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,004
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,345
−HK$1,360/mo
Today · 4.125%
HK$52,705
baseline
▲ 0.50% · 4.625%
HK$55,484
+HK$2,779/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,410/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,790
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,827/mo
Today · 4.125%
HK$61,414
baseline
▲ 0.50% · 4.625%
HK$65,151
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,828/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,291
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$1,749/mo
Today · 4.125%
HK$67,764
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$3,572/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,528/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,992 · Scale 2, in force from 26 Feb 2026)