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$32,045
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,042
−HK$1,013/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,650
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,606
−HK$970/mo
Today · 4.125%
HK$37,576
baseline
▲ 0.50% · 4.625%
HK$39,557
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,152/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,215/mo
Today · 4.125%
HK$40,866
baseline
▲ 0.50% · 4.625%
HK$43,352
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,732/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,780
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,927
−HK$1,164/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,468
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,863
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,259
−HK$1,418/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,578
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,910
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,249
−HK$1,358/mo
Today · 4.125%
HK$52,607
baseline
▲ 0.50% · 4.625%
HK$55,380
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,214/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,682
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,476
−HK$1,823/mo
Today · 4.125%
HK$61,299
baseline
▲ 0.50% · 4.625%
HK$65,029
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,598/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,170
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,891
−HK$1,746/mo
Today · 4.125%
HK$67,637
baseline
▲ 0.50% · 4.625%
HK$71,202
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,274/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,002 · Scale 2, in force from 26 Feb 2026)