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$32,137
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,137
−HK$1,016/mo
Today · 4.125%
HK$34,153
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,306/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,752
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,711
−HK$973/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,670
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,565
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,764
−HK$1,219/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,477
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,903
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,054
−HK$1,167/mo
Today · 4.125%
HK$45,221
baseline
▲ 0.50% · 4.625%
HK$47,604
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,442/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,992
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,392
−HK$1,422/mo
Today · 4.125%
HK$47,814
baseline
▲ 0.50% · 4.625%
HK$50,723
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,628/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,053
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,396
−HK$1,362/mo
Today · 4.125%
HK$52,758
baseline
▲ 0.50% · 4.625%
HK$55,539
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,516/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,847
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,647
−HK$1,828/mo
Today · 4.125%
HK$61,475
baseline
▲ 0.50% · 4.625%
HK$65,215
+HK$3,740/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,950/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,354
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,080
−HK$1,751/mo
Today · 4.125%
HK$67,831
baseline
▲ 0.50% · 4.625%
HK$71,407
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,662/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,515 · Scale 2, in force from 26 Feb 2026)