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$32,099
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,015/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$972/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,518
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,717
−HK$1,217/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,425
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,851
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,001
−HK$1,166/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,547
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,938
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,336
−HK$1,420/mo
Today · 4.125%
HK$47,756
baseline
▲ 0.50% · 4.625%
HK$50,662
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,512/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,993
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,360/mo
Today · 4.125%
HK$52,694
baseline
▲ 0.50% · 4.625%
HK$55,472
+HK$2,778/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,388/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,778
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,575
−HK$1,826/mo
Today · 4.125%
HK$61,401
baseline
▲ 0.50% · 4.625%
HK$65,137
+HK$3,736/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,802/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,277
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,001
−HK$1,749/mo
Today · 4.125%
HK$67,750
baseline
▲ 0.50% · 4.625%
HK$71,321
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,500/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,881 · Scale 2, in force from 26 Feb 2026)