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$32,040
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$1,012/mo
Today · 4.125%
HK$34,049
baseline
▲ 0.50% · 4.625%
HK$36,121
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,098/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,644
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$970/mo
Today · 4.125%
HK$37,570
baseline
▲ 0.50% · 4.625%
HK$39,550
+HK$1,980/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,140/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,215/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,345
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,773
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,920
−HK$1,164/mo
Today · 4.125%
HK$45,084
baseline
▲ 0.50% · 4.625%
HK$47,460
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,168/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,251
−HK$1,418/mo
Today · 4.125%
HK$47,669
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,900/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,338/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,902
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,240
−HK$1,358/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,370
+HK$2,772/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,672
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,466
−HK$1,822/mo
Today · 4.125%
HK$61,288
baseline
▲ 0.50% · 4.625%
HK$65,018
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,576/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,159
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,880
−HK$1,746/mo
Today · 4.125%
HK$67,626
baseline
▲ 0.50% · 4.625%
HK$71,190
+HK$3,564/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,252/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,914 · Scale 2, in force from 26 Feb 2026)