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$32,118
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$1,015/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,731
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,689
−HK$972/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,646
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,740
−HK$1,218/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,451
+HK$2,493/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,877
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,027
−HK$1,166/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,576
+HK$2,383/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,386/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,965
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,364
−HK$1,421/mo
Today · 4.125%
HK$47,785
baseline
▲ 0.50% · 4.625%
HK$50,692
+HK$2,907/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,570/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,023
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,365
−HK$1,361/mo
Today · 4.125%
HK$52,726
baseline
▲ 0.50% · 4.625%
HK$55,505
+HK$2,779/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,452/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,812
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,610
−HK$1,827/mo
Today · 4.125%
HK$61,437
baseline
▲ 0.50% · 4.625%
HK$65,176
+HK$3,739/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,874/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,315
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,040
−HK$1,750/mo
Today · 4.125%
HK$67,790
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$3,574/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,580/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,195 · Scale 2, in force from 26 Feb 2026)