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$32,172
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$1,017/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$36,270
+HK$2,080/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$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,791
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$974/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$39,713
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,607
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,807
−HK$1,221/mo
Today · 4.125%
HK$41,028
baseline
▲ 0.50% · 4.625%
HK$43,524
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,056/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,949
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,101
−HK$1,169/mo
Today · 4.125%
HK$45,270
baseline
▲ 0.50% · 4.625%
HK$47,656
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,540/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,041
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,442
−HK$1,423/mo
Today · 4.125%
HK$47,865
baseline
▲ 0.50% · 4.625%
HK$50,778
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,730/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,108
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,452
−HK$1,363/mo
Today · 4.125%
HK$52,815
baseline
▲ 0.50% · 4.625%
HK$55,599
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,630/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,910
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,711
−HK$1,830/mo
Today · 4.125%
HK$61,541
baseline
▲ 0.50% · 4.625%
HK$65,286
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,082/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,424
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,152
−HK$1,753/mo
Today · 4.125%
HK$67,905
baseline
▲ 0.50% · 4.625%
HK$71,484
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,810/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,088 · Scale 2, in force from 26 Feb 2026)