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$32,042
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,039
−HK$1,012/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$36,123
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,102/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$970/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,553
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,450
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,646
−HK$1,216/mo
Today · 4.125%
HK$40,862
baseline
▲ 0.50% · 4.625%
HK$43,348
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,724/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,776
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,923
−HK$1,164/mo
Today · 4.125%
HK$45,087
baseline
▲ 0.50% · 4.625%
HK$47,463
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,174/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,254
−HK$1,418/mo
Today · 4.125%
HK$47,672
baseline
▲ 0.50% · 4.625%
HK$50,573
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,344/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,905
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,243
−HK$1,358/mo
Today · 4.125%
HK$52,601
baseline
▲ 0.50% · 4.625%
HK$55,374
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,202/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,676
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,470
−HK$1,822/mo
Today · 4.125%
HK$61,292
baseline
▲ 0.50% · 4.625%
HK$65,022
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,584/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,164
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,884
−HK$1,746/mo
Today · 4.125%
HK$67,630
baseline
▲ 0.50% · 4.625%
HK$71,195
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,260/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,949 · Scale 2, in force from 26 Feb 2026)