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$32,083
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,081
−HK$1,014/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$36,169
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,649
−HK$971/mo
Today · 4.125%
HK$37,620
baseline
▲ 0.50% · 4.625%
HK$39,603
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,240/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,499
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,697
−HK$1,217/mo
Today · 4.125%
HK$40,914
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,828/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,830
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,165/mo
Today · 4.125%
HK$45,144
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,288/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,916
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,313
−HK$1,420/mo
Today · 4.125%
HK$47,733
baseline
▲ 0.50% · 4.625%
HK$50,637
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,466/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,969
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,309
−HK$1,359/mo
Today · 4.125%
HK$52,668
baseline
▲ 0.50% · 4.625%
HK$55,444
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,336/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,749
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,545
−HK$1,825/mo
Today · 4.125%
HK$61,370
baseline
▲ 0.50% · 4.625%
HK$65,105
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,740/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,245
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,968
−HK$1,748/mo
Today · 4.125%
HK$67,716
baseline
▲ 0.50% · 4.625%
HK$71,286
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,432/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,619 · Scale 2, in force from 26 Feb 2026)