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$32,040
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$1,013/mo
Today · 4.125%
HK$34,049
baseline
▲ 0.50% · 4.625%
HK$36,121
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,098/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,644
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$970/mo
Today · 4.125%
HK$37,570
baseline
▲ 0.50% · 4.625%
HK$39,550
+HK$1,980/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,140/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,215/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,345
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,773
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,920
−HK$1,163/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,460
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,251
−HK$1,417/mo
Today · 4.125%
HK$47,668
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,336/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,901
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,240
−HK$1,357/mo
Today · 4.125%
HK$52,597
baseline
▲ 0.50% · 4.625%
HK$55,370
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,194/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,671
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,465
−HK$1,823/mo
Today · 4.125%
HK$61,288
baseline
▲ 0.50% · 4.625%
HK$65,017
+HK$3,729/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,576/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,159
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,880
−HK$1,745/mo
Today · 4.125%
HK$67,625
baseline
▲ 0.50% · 4.625%
HK$71,190
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,250/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,909 · Scale 2, in force from 26 Feb 2026)