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$32,004
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,999
−HK$1,011/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,604
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,559
−HK$968/mo
Today · 4.125%
HK$37,527
baseline
▲ 0.50% · 4.625%
HK$39,505
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,054/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,404
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,599
−HK$1,214/mo
Today · 4.125%
HK$40,813
baseline
▲ 0.50% · 4.625%
HK$43,296
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,626/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,724
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,870
−HK$1,163/mo
Today · 4.125%
HK$45,033
baseline
▲ 0.50% · 4.625%
HK$47,406
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,066/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,805
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,199
−HK$1,416/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,512
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,845
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,182
−HK$1,356/mo
Today · 4.125%
HK$52,538
baseline
▲ 0.50% · 4.625%
HK$55,307
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,076/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,606
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,398
−HK$1,821/mo
Today · 4.125%
HK$61,219
baseline
▲ 0.50% · 4.625%
HK$64,944
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,438/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,805
−HK$1,744/mo
Today · 4.125%
HK$67,549
baseline
▲ 0.50% · 4.625%
HK$71,110
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,098/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,316 · Scale 2, in force from 26 Feb 2026)