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$32,072
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$1,013/mo
Today · 4.125%
HK$34,083
baseline
▲ 0.50% · 4.625%
HK$36,157
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,166/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,680
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,637
−HK$971/mo
Today · 4.125%
HK$37,608
baseline
▲ 0.50% · 4.625%
HK$39,590
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,216/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,684
−HK$1,216/mo
Today · 4.125%
HK$40,900
baseline
▲ 0.50% · 4.625%
HK$43,389
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,800/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,816
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,964
−HK$1,165/mo
Today · 4.125%
HK$45,129
baseline
▲ 0.50% · 4.625%
HK$47,508
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,258/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,419/mo
Today · 4.125%
HK$47,717
baseline
▲ 0.50% · 4.625%
HK$50,620
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,434/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,952
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,292
−HK$1,359/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,730
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,526
−HK$1,824/mo
Today · 4.125%
HK$61,350
baseline
▲ 0.50% · 4.625%
HK$65,083
+HK$3,733/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,700/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,224
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$1,748/mo
Today · 4.125%
HK$67,694
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,388/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,443 · Scale 2, in force from 26 Feb 2026)