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$32,089
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$1,014/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,698
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$971/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,610
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,217/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,987
−HK$1,165/mo
Today · 4.125%
HK$45,152
baseline
▲ 0.50% · 4.625%
HK$47,532
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,304/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,924
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,322
−HK$1,419/mo
Today · 4.125%
HK$47,741
baseline
▲ 0.50% · 4.625%
HK$50,646
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,482/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,978
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,318
−HK$1,360/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,455
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,760
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,556
−HK$1,826/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$65,117
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,257
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,980
−HK$1,749/mo
Today · 4.125%
HK$67,729
baseline
▲ 0.50% · 4.625%
HK$71,299
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,458/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,716 · Scale 2, in force from 26 Feb 2026)