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$32,062
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$1,014/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$2,073/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$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$971/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,475
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,671
−HK$1,216/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,375
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,803
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,164/mo
Today · 4.125%
HK$45,115
baseline
▲ 0.50% · 4.625%
HK$47,493
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,230/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,887
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,283
−HK$1,419/mo
Today · 4.125%
HK$47,702
baseline
▲ 0.50% · 4.625%
HK$50,604
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,404/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,936
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,358/mo
Today · 4.125%
HK$52,634
baseline
▲ 0.50% · 4.625%
HK$55,409
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,268/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,507
−HK$1,824/mo
Today · 4.125%
HK$61,331
baseline
▲ 0.50% · 4.625%
HK$65,063
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,662/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,204
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,926
−HK$1,747/mo
Today · 4.125%
HK$67,673
baseline
▲ 0.50% · 4.625%
HK$71,240
+HK$3,567/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,346/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,279 · Scale 2, in force from 26 Feb 2026)