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$32,092
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$1,014/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$36,180
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,660
−HK$971/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,510
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,708
−HK$1,217/mo
Today · 4.125%
HK$40,925
baseline
▲ 0.50% · 4.625%
HK$43,416
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,850/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,842
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,991
−HK$1,166/mo
Today · 4.125%
HK$45,157
baseline
▲ 0.50% · 4.625%
HK$47,537
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,314/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,929
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,326
−HK$1,420/mo
Today · 4.125%
HK$47,746
baseline
▲ 0.50% · 4.625%
HK$50,651
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,492/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,983
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,323
−HK$1,360/mo
Today · 4.125%
HK$52,683
baseline
▲ 0.50% · 4.625%
HK$55,460
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,366/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,766
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,562
−HK$1,826/mo
Today · 4.125%
HK$61,388
baseline
▲ 0.50% · 4.625%
HK$65,123
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,776/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,264
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,987
−HK$1,749/mo
Today · 4.125%
HK$67,736
baseline
▲ 0.50% · 4.625%
HK$71,306
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,472/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,770 · Scale 2, in force from 26 Feb 2026)