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$32,026
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,022
−HK$1,012/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$970/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,431
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,627
−HK$1,214/mo
Today · 4.125%
HK$40,841
baseline
▲ 0.50% · 4.625%
HK$43,326
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,682/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,163/mo
Today · 4.125%
HK$45,064
baseline
▲ 0.50% · 4.625%
HK$47,440
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,128/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,837
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,231
−HK$1,417/mo
Today · 4.125%
HK$47,648
baseline
▲ 0.50% · 4.625%
HK$50,547
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,296/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,880
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,218
−HK$1,357/mo
Today · 4.125%
HK$52,575
baseline
▲ 0.50% · 4.625%
HK$55,346
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,150/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,647
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,440
−HK$1,822/mo
Today · 4.125%
HK$61,262
baseline
▲ 0.50% · 4.625%
HK$64,990
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,524/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,132
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,852
−HK$1,744/mo
Today · 4.125%
HK$67,596
baseline
▲ 0.50% · 4.625%
HK$71,160
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,192/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,686 · Scale 2, in force from 26 Feb 2026)