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$32,015
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$1,012/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$969/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,418
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,214/mo
Today · 4.125%
HK$40,827
baseline
▲ 0.50% · 4.625%
HK$43,312
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,654/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,740
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,886
−HK$1,163/mo
Today · 4.125%
HK$45,049
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,098/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,821
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,215
−HK$1,417/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,530
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,863
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,200
−HK$1,357/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,327
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,627
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,821/mo
Today · 4.125%
HK$61,241
baseline
▲ 0.50% · 4.625%
HK$64,967
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,482/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,110
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,829
−HK$1,744/mo
Today · 4.125%
HK$67,573
baseline
▲ 0.50% · 4.625%
HK$71,135
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,146/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,507 · Scale 2, in force from 26 Feb 2026)