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$32,024
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,020
−HK$1,012/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,626
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$969/mo
Today · 4.125%
HK$37,551
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,102/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,429
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,624
−HK$1,215/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$43,323
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,752
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,898
−HK$1,163/mo
Today · 4.125%
HK$45,061
baseline
▲ 0.50% · 4.625%
HK$47,437
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,122/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,228
−HK$1,417/mo
Today · 4.125%
HK$47,645
baseline
▲ 0.50% · 4.625%
HK$50,544
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,290/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,877
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,357/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,343
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,144/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,643
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,436
−HK$1,822/mo
Today · 4.125%
HK$61,258
baseline
▲ 0.50% · 4.625%
HK$64,985
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,516/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,127
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$1,745/mo
Today · 4.125%
HK$67,592
baseline
▲ 0.50% · 4.625%
HK$71,155
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,184/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,651 · Scale 2, in force from 26 Feb 2026)