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$32,173
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,174
−HK$1,016/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$2,081/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,380/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$974/mo
Today · 4.125%
HK$37,726
baseline
▲ 0.50% · 4.625%
HK$39,714
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,452/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,608
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,808
−HK$1,221/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,525
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,951
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,102
−HK$1,169/mo
Today · 4.125%
HK$45,271
baseline
▲ 0.50% · 4.625%
HK$47,657
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,542/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,042
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,443
−HK$1,424/mo
Today · 4.125%
HK$47,867
baseline
▲ 0.50% · 4.625%
HK$50,779
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,734/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,109
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,453
−HK$1,363/mo
Today · 4.125%
HK$52,816
baseline
▲ 0.50% · 4.625%
HK$55,600
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,632/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,911
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,713
−HK$1,830/mo
Today · 4.125%
HK$61,543
baseline
▲ 0.50% · 4.625%
HK$65,288
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,086/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,426
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,154
−HK$1,752/mo
Today · 4.125%
HK$67,906
baseline
▲ 0.50% · 4.625%
HK$71,486
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,812/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,101 · Scale 2, in force from 26 Feb 2026)