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$32,158
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$1,016/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$36,253
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,775
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$974/mo
Today · 4.125%
HK$37,708
baseline
▲ 0.50% · 4.625%
HK$39,695
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,416/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,589
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,220/mo
Today · 4.125%
HK$41,009
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,018/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,930
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,168/mo
Today · 4.125%
HK$45,249
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,498/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,021
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,421
−HK$1,423/mo
Today · 4.125%
HK$47,844
baseline
▲ 0.50% · 4.625%
HK$50,755
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,688/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,085
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,428
−HK$1,363/mo
Today · 4.125%
HK$52,791
baseline
▲ 0.50% · 4.625%
HK$55,573
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,582/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,884
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,684
−HK$1,829/mo
Today · 4.125%
HK$61,513
baseline
▲ 0.50% · 4.625%
HK$65,256
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,026/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,395
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,122
−HK$1,752/mo
Today · 4.125%
HK$67,874
baseline
▲ 0.50% · 4.625%
HK$71,452
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,748/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,847 · Scale 2, in force from 26 Feb 2026)