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$32,072
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,069
−HK$1,014/mo
Today · 4.125%
HK$34,083
baseline
▲ 0.50% · 4.625%
HK$36,157
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,166/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,680
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,636
−HK$971/mo
Today · 4.125%
HK$37,607
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,214/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,486
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,683
−HK$1,217/mo
Today · 4.125%
HK$40,900
baseline
▲ 0.50% · 4.625%
HK$43,388
+HK$2,488/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,800/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,815
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,964
−HK$1,165/mo
Today · 4.125%
HK$45,129
baseline
▲ 0.50% · 4.625%
HK$47,507
+HK$2,378/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,258/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,900
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,297
−HK$1,419/mo
Today · 4.125%
HK$47,716
baseline
▲ 0.50% · 4.625%
HK$50,620
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,432/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,291
−HK$1,359/mo
Today · 4.125%
HK$52,650
baseline
▲ 0.50% · 4.625%
HK$55,425
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,300/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,729
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,525
−HK$1,824/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$65,082
+HK$3,733/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,223
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$1,747/mo
Today · 4.125%
HK$67,693
baseline
▲ 0.50% · 4.625%
HK$71,261
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,386/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,437 · Scale 2, in force from 26 Feb 2026)