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$32,035
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$1,012/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$2,072/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$970/mo
Today · 4.125%
HK$37,565
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,130/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,638
−HK$1,215/mo
Today · 4.125%
HK$40,853
baseline
▲ 0.50% · 4.625%
HK$43,339
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,706/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,767
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,164/mo
Today · 4.125%
HK$45,078
baseline
▲ 0.50% · 4.625%
HK$47,454
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,156/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,850
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,245
−HK$1,417/mo
Today · 4.125%
HK$47,662
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,324/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,895
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,233
−HK$1,357/mo
Today · 4.125%
HK$52,590
baseline
▲ 0.50% · 4.625%
HK$55,363
+HK$2,773/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,180/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,664
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,458
−HK$1,822/mo
Today · 4.125%
HK$61,280
baseline
▲ 0.50% · 4.625%
HK$65,009
+HK$3,729/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,560/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,150
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,871
−HK$1,745/mo
Today · 4.125%
HK$67,616
baseline
▲ 0.50% · 4.625%
HK$71,181
+HK$3,565/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,232/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,841 · Scale 2, in force from 26 Feb 2026)