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$32,070
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$1,013/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$971/mo
Today · 4.125%
HK$37,605
baseline
▲ 0.50% · 4.625%
HK$39,587
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,210/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,484
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,681
−HK$1,216/mo
Today · 4.125%
HK$40,897
baseline
▲ 0.50% · 4.625%
HK$43,386
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,794/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,813
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,165/mo
Today · 4.125%
HK$45,126
baseline
▲ 0.50% · 4.625%
HK$47,505
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,252/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,898
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,418/mo
Today · 4.125%
HK$47,713
baseline
▲ 0.50% · 4.625%
HK$50,617
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,426/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,949
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,288
−HK$1,359/mo
Today · 4.125%
HK$52,647
baseline
▲ 0.50% · 4.625%
HK$55,422
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,294/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,726
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,824/mo
Today · 4.125%
HK$61,346
baseline
▲ 0.50% · 4.625%
HK$65,079
+HK$3,733/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,692/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,220
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,942
−HK$1,747/mo
Today · 4.125%
HK$67,689
baseline
▲ 0.50% · 4.625%
HK$71,257
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,378/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,408 · Scale 2, in force from 26 Feb 2026)