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$32,016
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$1,012/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$969/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,614
−HK$1,214/mo
Today · 4.125%
HK$40,828
baseline
▲ 0.50% · 4.625%
HK$43,312
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,656/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,740
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,162/mo
Today · 4.125%
HK$45,049
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,098/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,822
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,216
−HK$1,416/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,531
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,864
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,357/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,328
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,628
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,822/mo
Today · 4.125%
HK$61,242
baseline
▲ 0.50% · 4.625%
HK$64,968
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,484/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,110
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,830
−HK$1,744/mo
Today · 4.125%
HK$67,574
baseline
▲ 0.50% · 4.625%
HK$71,136
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,148/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,512 · Scale 2, in force from 26 Feb 2026)