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$32,106
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,105
−HK$1,015/mo
Today · 4.125%
HK$34,120
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,240/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,718
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,676
−HK$972/mo
Today · 4.125%
HK$37,648
baseline
▲ 0.50% · 4.625%
HK$39,632
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,296/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,726
−HK$1,218/mo
Today · 4.125%
HK$40,944
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,888/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,861
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,166/mo
Today · 4.125%
HK$45,177
baseline
▲ 0.50% · 4.625%
HK$47,559
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,354/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,347
−HK$1,420/mo
Today · 4.125%
HK$47,767
baseline
▲ 0.50% · 4.625%
HK$50,674
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,534/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,005
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,346
−HK$1,361/mo
Today · 4.125%
HK$52,707
baseline
▲ 0.50% · 4.625%
HK$55,485
+HK$2,778/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,414/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,791
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,826/mo
Today · 4.125%
HK$61,415
baseline
▲ 0.50% · 4.625%
HK$65,152
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,830/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,292
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,017
−HK$1,749/mo
Today · 4.125%
HK$67,766
baseline
▲ 0.50% · 4.625%
HK$71,338
+HK$3,572/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,532/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,005 · Scale 2, in force from 26 Feb 2026)