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$32,112
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,015/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$972/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,639
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,218/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,869
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,019
−HK$1,166/mo
Today · 4.125%
HK$45,185
baseline
▲ 0.50% · 4.625%
HK$47,567
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,370/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,957
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,355
−HK$1,421/mo
Today · 4.125%
HK$47,776
baseline
▲ 0.50% · 4.625%
HK$50,683
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,552/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,014
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,355
−HK$1,361/mo
Today · 4.125%
HK$52,716
baseline
▲ 0.50% · 4.625%
HK$55,495
+HK$2,779/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,432/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,801
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,827/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$65,164
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,303
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,028
−HK$1,750/mo
Today · 4.125%
HK$67,778
baseline
▲ 0.50% · 4.625%
HK$71,350
+HK$3,572/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,556/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,097 · Scale 2, in force from 26 Feb 2026)