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$32,052
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,049
−HK$1,013/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$36,134
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,657
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$970/mo
Today · 4.125%
HK$37,584
baseline
▲ 0.50% · 4.625%
HK$39,565
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,168/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,462
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,659
−HK$1,215/mo
Today · 4.125%
HK$40,874
baseline
▲ 0.50% · 4.625%
HK$43,361
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,748/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,936
−HK$1,164/mo
Today · 4.125%
HK$45,100
baseline
▲ 0.50% · 4.625%
HK$47,478
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,200/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,872
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,268
−HK$1,418/mo
Today · 4.125%
HK$47,686
baseline
▲ 0.50% · 4.625%
HK$50,588
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,372/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,920
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,259
−HK$1,358/mo
Today · 4.125%
HK$52,617
baseline
▲ 0.50% · 4.625%
HK$55,391
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,234/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,693
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,488
−HK$1,823/mo
Today · 4.125%
HK$61,311
baseline
▲ 0.50% · 4.625%
HK$65,042
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,622/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,183
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,904
−HK$1,747/mo
Today · 4.125%
HK$67,651
baseline
▲ 0.50% · 4.625%
HK$71,217
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,302/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,108 · Scale 2, in force from 26 Feb 2026)