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$32,149
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,149
−HK$1,016/mo
Today · 4.125%
HK$34,165
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,330/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,765
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$973/mo
Today · 4.125%
HK$37,698
baseline
▲ 0.50% · 4.625%
HK$39,685
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,396/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,579
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,779
−HK$1,219/mo
Today · 4.125%
HK$40,998
baseline
▲ 0.50% · 4.625%
HK$43,493
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,996/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,918
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,069
−HK$1,168/mo
Today · 4.125%
HK$45,237
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,474/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,008
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,408
−HK$1,423/mo
Today · 4.125%
HK$47,831
baseline
▲ 0.50% · 4.625%
HK$50,741
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,662/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,071
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,414
−HK$1,363/mo
Today · 4.125%
HK$52,777
baseline
▲ 0.50% · 4.625%
HK$55,559
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,554/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,868
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,668
−HK$1,829/mo
Today · 4.125%
HK$61,497
baseline
▲ 0.50% · 4.625%
HK$65,239
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,994/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,378
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,104
−HK$1,752/mo
Today · 4.125%
HK$67,856
baseline
▲ 0.50% · 4.625%
HK$71,432
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,712/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,706 · Scale 2, in force from 26 Feb 2026)