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$32,117
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,116
−HK$1,015/mo
Today · 4.125%
HK$34,131
baseline
▲ 0.50% · 4.625%
HK$36,208
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,262/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,730
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,688
−HK$972/mo
Today · 4.125%
HK$37,660
baseline
▲ 0.50% · 4.625%
HK$39,646
+HK$1,986/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,320/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,218/mo
Today · 4.125%
HK$40,957
baseline
▲ 0.50% · 4.625%
HK$43,450
+HK$2,493/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,914/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,876
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,166/mo
Today · 4.125%
HK$45,192
baseline
▲ 0.50% · 4.625%
HK$47,575
+HK$2,383/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,384/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,964
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,363
−HK$1,421/mo
Today · 4.125%
HK$47,784
baseline
▲ 0.50% · 4.625%
HK$50,691
+HK$2,907/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,568/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,022
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,364
−HK$1,361/mo
Today · 4.125%
HK$52,725
baseline
▲ 0.50% · 4.625%
HK$55,504
+HK$2,779/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,450/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,811
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,609
−HK$1,827/mo
Today · 4.125%
HK$61,436
baseline
▲ 0.50% · 4.625%
HK$65,174
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,872/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,314
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,039
−HK$1,750/mo
Today · 4.125%
HK$67,789
baseline
▲ 0.50% · 4.625%
HK$71,362
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,578/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,183 · Scale 2, in force from 26 Feb 2026)