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$32,101
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$1,015/mo
Today · 4.125%
HK$34,114
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,228/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,712
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$972/mo
Today · 4.125%
HK$37,641
baseline
▲ 0.50% · 4.625%
HK$39,625
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,282/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,521
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,719
−HK$1,217/mo
Today · 4.125%
HK$40,936
baseline
▲ 0.50% · 4.625%
HK$43,427
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,872/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,854
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,003
−HK$1,166/mo
Today · 4.125%
HK$45,169
baseline
▲ 0.50% · 4.625%
HK$47,550
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,338/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,941
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,420/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,996
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,337
−HK$1,360/mo
Today · 4.125%
HK$52,697
baseline
▲ 0.50% · 4.625%
HK$55,475
+HK$2,778/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,394/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,781
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,578
−HK$1,826/mo
Today · 4.125%
HK$61,404
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,808/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,281
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,005
−HK$1,749/mo
Today · 4.125%
HK$67,754
baseline
▲ 0.50% · 4.625%
HK$71,325
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,508/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,910 · Scale 2, in force from 26 Feb 2026)