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$32,081
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$1,014/mo
Today · 4.125%
HK$34,093
baseline
▲ 0.50% · 4.625%
HK$36,168
+HK$2,075/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,186/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$971/mo
Today · 4.125%
HK$37,619
baseline
▲ 0.50% · 4.625%
HK$39,602
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,238/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,498
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,695
−HK$1,217/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,401
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,165/mo
Today · 4.125%
HK$45,142
baseline
▲ 0.50% · 4.625%
HK$47,522
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,284/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,914
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,311
−HK$1,420/mo
Today · 4.125%
HK$47,731
baseline
▲ 0.50% · 4.625%
HK$50,635
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,462/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,966
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,307
−HK$1,359/mo
Today · 4.125%
HK$52,666
baseline
▲ 0.50% · 4.625%
HK$55,442
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,332/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,747
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,825/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$65,102
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,243
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$1,747/mo
Today · 4.125%
HK$67,713
baseline
▲ 0.50% · 4.625%
HK$71,283
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,426/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,597 · Scale 2, in force from 26 Feb 2026)