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$32,059
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,056
−HK$1,013/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,665
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,622
−HK$970/mo
Today · 4.125%
HK$37,592
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,184/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,471
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,216/mo
Today · 4.125%
HK$40,883
baseline
▲ 0.50% · 4.625%
HK$43,371
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,766/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,798
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,164/mo
Today · 4.125%
HK$45,110
baseline
▲ 0.50% · 4.625%
HK$47,488
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,220/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,882
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,278
−HK$1,419/mo
Today · 4.125%
HK$47,697
baseline
▲ 0.50% · 4.625%
HK$50,599
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,394/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,931
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,270
−HK$1,359/mo
Today · 4.125%
HK$52,629
baseline
▲ 0.50% · 4.625%
HK$55,403
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,258/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,706
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,824/mo
Today · 4.125%
HK$61,325
baseline
▲ 0.50% · 4.625%
HK$65,056
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,650/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,197
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,919
−HK$1,747/mo
Today · 4.125%
HK$67,666
baseline
▲ 0.50% · 4.625%
HK$71,232
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,332/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,224 · Scale 2, in force from 26 Feb 2026)