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$32,033
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$1,012/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$970/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,440
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,214/mo
Today · 4.125%
HK$40,850
baseline
▲ 0.50% · 4.625%
HK$43,336
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,700/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,764
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,911
−HK$1,163/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,450
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,847
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,242
−HK$1,417/mo
Today · 4.125%
HK$47,659
baseline
▲ 0.50% · 4.625%
HK$50,559
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,318/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,891
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,229
−HK$1,358/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,359
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,660
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,453
−HK$1,823/mo
Today · 4.125%
HK$61,276
baseline
▲ 0.50% · 4.625%
HK$65,004
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,552/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,146
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,866
−HK$1,746/mo
Today · 4.125%
HK$67,612
baseline
▲ 0.50% · 4.625%
HK$71,176
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,224/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,804 · Scale 2, in force from 26 Feb 2026)