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$32,093
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,091
−HK$1,014/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$36,180
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,660
−HK$972/mo
Today · 4.125%
HK$37,632
baseline
▲ 0.50% · 4.625%
HK$39,615
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,264/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,709
−HK$1,217/mo
Today · 4.125%
HK$40,926
baseline
▲ 0.50% · 4.625%
HK$43,417
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,852/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,843
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,166/mo
Today · 4.125%
HK$45,158
baseline
▲ 0.50% · 4.625%
HK$47,538
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,316/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,420/mo
Today · 4.125%
HK$47,747
baseline
▲ 0.50% · 4.625%
HK$50,653
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,494/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,984
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,325
−HK$1,359/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$2,778/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,767
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,564
−HK$1,825/mo
Today · 4.125%
HK$61,389
baseline
▲ 0.50% · 4.625%
HK$65,125
+HK$3,736/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,778/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,265
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,989
−HK$1,748/mo
Today · 4.125%
HK$67,737
baseline
▲ 0.50% · 4.625%
HK$71,308
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,474/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,782 · Scale 2, in force from 26 Feb 2026)