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$32,046
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,043
−HK$1,013/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$36,128
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,607
−HK$970/mo
Today · 4.125%
HK$37,577
baseline
▲ 0.50% · 4.625%
HK$39,558
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,154/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,215/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,164/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,260
−HK$1,418/mo
Today · 4.125%
HK$47,678
baseline
▲ 0.50% · 4.625%
HK$50,579
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,356/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,912
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,250
−HK$1,358/mo
Today · 4.125%
HK$52,608
baseline
▲ 0.50% · 4.625%
HK$55,381
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,216/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,478
−HK$1,823/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$65,031
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,172
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$1,746/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,020 · Scale 2, in force from 26 Feb 2026)