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$32,154
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,155
−HK$1,016/mo
Today · 4.125%
HK$34,171
baseline
▲ 0.50% · 4.625%
HK$36,250
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,342/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,731
−HK$973/mo
Today · 4.125%
HK$37,704
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,408/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,585
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,220/mo
Today · 4.125%
HK$41,005
baseline
▲ 0.50% · 4.625%
HK$43,500
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,010/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,926
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,168/mo
Today · 4.125%
HK$45,245
baseline
▲ 0.50% · 4.625%
HK$47,630
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,490/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,016
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,423/mo
Today · 4.125%
HK$47,839
baseline
▲ 0.50% · 4.625%
HK$50,750
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,678/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,080
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,423
−HK$1,363/mo
Today · 4.125%
HK$52,786
baseline
▲ 0.50% · 4.625%
HK$55,568
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,572/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,878
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,678
−HK$1,829/mo
Today · 4.125%
HK$61,507
baseline
▲ 0.50% · 4.625%
HK$65,250
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,014/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,389
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,115
−HK$1,752/mo
Today · 4.125%
HK$67,867
baseline
▲ 0.50% · 4.625%
HK$71,445
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,734/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,796 · Scale 2, in force from 26 Feb 2026)