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$32,096
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$1,015/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$972/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,713
−HK$1,217/mo
Today · 4.125%
HK$40,930
baseline
▲ 0.50% · 4.625%
HK$43,421
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,860/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,848
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,166/mo
Today · 4.125%
HK$45,163
baseline
▲ 0.50% · 4.625%
HK$47,543
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,326/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,420/mo
Today · 4.125%
HK$47,752
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,504/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,989
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,360/mo
Today · 4.125%
HK$52,690
baseline
▲ 0.50% · 4.625%
HK$55,467
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,380/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,773
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,570
−HK$1,826/mo
Today · 4.125%
HK$61,396
baseline
▲ 0.50% · 4.625%
HK$65,131
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,792/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,272
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$1,749/mo
Today · 4.125%
HK$67,744
baseline
▲ 0.50% · 4.625%
HK$71,315
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,488/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,835 · Scale 2, in force from 26 Feb 2026)