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$32,012
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$1,011/mo
Today · 4.125%
HK$34,019
baseline
▲ 0.50% · 4.625%
HK$36,089
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,038/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,613
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$969/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,516
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,414
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,609
−HK$1,214/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,736
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,162/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,416/mo
Today · 4.125%
HK$47,627
baseline
▲ 0.50% · 4.625%
HK$50,525
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,254/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,858
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,195
−HK$1,357/mo
Today · 4.125%
HK$52,552
baseline
▲ 0.50% · 4.625%
HK$55,322
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,104/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,622
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,414
−HK$1,821/mo
Today · 4.125%
HK$61,235
baseline
▲ 0.50% · 4.625%
HK$64,961
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,470/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,103
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,823
−HK$1,744/mo
Today · 4.125%
HK$67,567
baseline
▲ 0.50% · 4.625%
HK$71,128
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,134/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,454 · Scale 2, in force from 26 Feb 2026)