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$32,056
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,053
−HK$1,013/mo
Today · 4.125%
HK$34,066
baseline
▲ 0.50% · 4.625%
HK$36,139
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,132/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,662
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,618
−HK$971/mo
Today · 4.125%
HK$37,589
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,178/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,467
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,664
−HK$1,215/mo
Today · 4.125%
HK$40,879
baseline
▲ 0.50% · 4.625%
HK$43,367
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,758/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,794
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,164/mo
Today · 4.125%
HK$45,106
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,212/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,878
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,274
−HK$1,418/mo
Today · 4.125%
HK$47,692
baseline
▲ 0.50% · 4.625%
HK$50,594
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,384/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,927
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,266
−HK$1,358/mo
Today · 4.125%
HK$52,624
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,248/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,701
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,495
−HK$1,824/mo
Today · 4.125%
HK$61,319
baseline
▲ 0.50% · 4.625%
HK$65,050
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,638/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,191
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,913
−HK$1,746/mo
Today · 4.125%
HK$67,659
baseline
▲ 0.50% · 4.625%
HK$71,226
+HK$3,567/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,318/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,176 · Scale 2, in force from 26 Feb 2026)