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$32,063
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$1,013/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$971/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,475
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,672
−HK$1,216/mo
Today · 4.125%
HK$40,888
baseline
▲ 0.50% · 4.625%
HK$43,376
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,776/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,803
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,165/mo
Today · 4.125%
HK$45,116
baseline
▲ 0.50% · 4.625%
HK$47,494
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,232/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,888
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,284
−HK$1,419/mo
Today · 4.125%
HK$47,703
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,406/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,937
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,277
−HK$1,358/mo
Today · 4.125%
HK$52,635
baseline
▲ 0.50% · 4.625%
HK$55,410
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,270/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,713
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,508
−HK$1,824/mo
Today · 4.125%
HK$61,332
baseline
▲ 0.50% · 4.625%
HK$65,064
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,664/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,205
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,927
−HK$1,747/mo
Today · 4.125%
HK$67,674
baseline
▲ 0.50% · 4.625%
HK$71,241
+HK$3,567/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,348/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,288 · Scale 2, in force from 26 Feb 2026)