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$32,096
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$1,014/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$971/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,713
−HK$1,217/mo
Today · 4.125%
HK$40,930
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,860/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,847
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,166/mo
Today · 4.125%
HK$45,162
baseline
▲ 0.50% · 4.625%
HK$47,543
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,324/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,331
−HK$1,420/mo
Today · 4.125%
HK$47,751
baseline
▲ 0.50% · 4.625%
HK$50,657
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,502/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,988
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,329
−HK$1,360/mo
Today · 4.125%
HK$52,689
baseline
▲ 0.50% · 4.625%
HK$55,466
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,378/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,772
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,569
−HK$1,826/mo
Today · 4.125%
HK$61,395
baseline
▲ 0.50% · 4.625%
HK$65,130
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,790/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,271
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$1,749/mo
Today · 4.125%
HK$67,743
baseline
▲ 0.50% · 4.625%
HK$71,314
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,486/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,828 · Scale 2, in force from 26 Feb 2026)