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$32,068
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,065
−HK$1,014/mo
Today · 4.125%
HK$34,079
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,158/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,675
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,632
−HK$971/mo
Today · 4.125%
HK$37,603
baseline
▲ 0.50% · 4.625%
HK$39,585
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,206/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,679
−HK$1,216/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,488/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,810
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,958
−HK$1,165/mo
Today · 4.125%
HK$45,123
baseline
▲ 0.50% · 4.625%
HK$47,502
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,246/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,895
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,292
−HK$1,418/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,613
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,945
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,359/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,722
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,518
−HK$1,824/mo
Today · 4.125%
HK$61,342
baseline
▲ 0.50% · 4.625%
HK$65,074
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,684/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,215
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,938
−HK$1,747/mo
Today · 4.125%
HK$67,685
baseline
▲ 0.50% · 4.625%
HK$71,253
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,370/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,374 · Scale 2, in force from 26 Feb 2026)