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$32,020
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,016
−HK$1,012/mo
Today · 4.125%
HK$34,028
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,056/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,621
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$969/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,424
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,214/mo
Today · 4.125%
HK$40,833
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,666/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,746
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,163/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,430
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,827
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,417/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,537
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,870
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,356/mo
Today · 4.125%
HK$52,564
baseline
▲ 0.50% · 4.625%
HK$55,335
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,128/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,635
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,428
−HK$1,822/mo
Today · 4.125%
HK$61,250
baseline
▲ 0.50% · 4.625%
HK$64,976
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,500/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,119
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,838
−HK$1,745/mo
Today · 4.125%
HK$67,583
baseline
▲ 0.50% · 4.625%
HK$71,145
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,166/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,579 · Scale 2, in force from 26 Feb 2026)