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$32,028
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,024
−HK$1,012/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,630
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,586
−HK$969/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,535
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,214/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,756
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,903
−HK$1,163/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,442
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,839
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,417/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,550
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,220
−HK$1,357/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,349
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,650
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,443
−HK$1,822/mo
Today · 4.125%
HK$61,265
baseline
▲ 0.50% · 4.625%
HK$64,992
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,530/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,135
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,855
−HK$1,745/mo
Today · 4.125%
HK$67,600
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,200/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,710 · Scale 2, in force from 26 Feb 2026)