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$32,151
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$1,016/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$973/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,687
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,219/mo
Today · 4.125%
HK$41,000
baseline
▲ 0.50% · 4.625%
HK$43,495
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,000/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,921
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,168/mo
Today · 4.125%
HK$45,240
baseline
▲ 0.50% · 4.625%
HK$47,625
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,480/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,411
−HK$1,423/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,744
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,074
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,417
−HK$1,363/mo
Today · 4.125%
HK$52,780
baseline
▲ 0.50% · 4.625%
HK$55,562
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,560/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,872
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,672
−HK$1,829/mo
Today · 4.125%
HK$61,501
baseline
▲ 0.50% · 4.625%
HK$65,243
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,002/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,381
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,108
−HK$1,752/mo
Today · 4.125%
HK$67,860
baseline
▲ 0.50% · 4.625%
HK$71,437
+HK$3,577/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,720/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,738 · Scale 2, in force from 26 Feb 2026)