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$31,995
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,990
−HK$1,011/mo
Today · 4.125%
HK$34,001
baseline
▲ 0.50% · 4.625%
HK$36,070
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,002/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,594
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,548
−HK$969/mo
Today · 4.125%
HK$37,517
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$1,977/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,034/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,393
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,588
−HK$1,213/mo
Today · 4.125%
HK$40,801
baseline
▲ 0.50% · 4.625%
HK$43,284
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,602/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,712
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,858
−HK$1,162/mo
Today · 4.125%
HK$45,020
baseline
▲ 0.50% · 4.625%
HK$47,393
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,040/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,792
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,186
−HK$1,415/mo
Today · 4.125%
HK$47,601
baseline
▲ 0.50% · 4.625%
HK$50,498
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,202/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,831
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,168
−HK$1,355/mo
Today · 4.125%
HK$52,523
baseline
▲ 0.50% · 4.625%
HK$55,292
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,046/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,590
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,382
−HK$1,820/mo
Today · 4.125%
HK$61,202
baseline
▲ 0.50% · 4.625%
HK$64,926
+HK$3,724/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,404/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,069
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,787
−HK$1,743/mo
Today · 4.125%
HK$67,530
baseline
▲ 0.50% · 4.625%
HK$71,090
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,060/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,168 · Scale 2, in force from 26 Feb 2026)