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$32,085
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$1,014/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,695
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$971/mo
Today · 4.125%
HK$37,623
baseline
▲ 0.50% · 4.625%
HK$39,606
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,246/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,502
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,700
−HK$1,217/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,833
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,982
−HK$1,166/mo
Today · 4.125%
HK$45,148
baseline
▲ 0.50% · 4.625%
HK$47,527
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,296/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,919
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,419/mo
Today · 4.125%
HK$47,736
baseline
▲ 0.50% · 4.625%
HK$50,641
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,472/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,972
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,313
−HK$1,359/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,449
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,753
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,550
−HK$1,825/mo
Today · 4.125%
HK$61,375
baseline
▲ 0.50% · 4.625%
HK$65,110
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,750/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,250
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,973
−HK$1,748/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,659 · Scale 2, in force from 26 Feb 2026)