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$32,124
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$1,015/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,737
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$972/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,654
+HK$1,986/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,748
−HK$1,218/mo
Today · 4.125%
HK$40,966
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,492/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$81,932/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,885
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,035
−HK$1,167/mo
Today · 4.125%
HK$45,202
baseline
▲ 0.50% · 4.625%
HK$47,584
+HK$2,382/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$90,404/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,973
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,372
−HK$1,421/mo
Today · 4.125%
HK$47,793
baseline
▲ 0.50% · 4.625%
HK$50,702
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,586/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,032
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,374
−HK$1,361/mo
Today · 4.125%
HK$52,735
baseline
▲ 0.50% · 4.625%
HK$55,515
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,470/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,823
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,621
−HK$1,828/mo
Today · 4.125%
HK$61,449
baseline
▲ 0.50% · 4.625%
HK$65,188
+HK$3,739/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,898/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,327
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,052
−HK$1,751/mo
Today · 4.125%
HK$67,803
baseline
▲ 0.50% · 4.625%
HK$71,377
+HK$3,574/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,606/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,292 · Scale 2, in force from 26 Feb 2026)