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$32,086
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,084
−HK$1,014/mo
Today · 4.125%
HK$34,098
baseline
▲ 0.50% · 4.625%
HK$36,173
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,196/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,695
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$972/mo
Today · 4.125%
HK$37,624
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,248/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,503
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,701
−HK$1,216/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,407
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,834
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,983
−HK$1,165/mo
Today · 4.125%
HK$45,148
baseline
▲ 0.50% · 4.625%
HK$47,528
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,296/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,920
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,420/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,642
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,973
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,313
−HK$1,360/mo
Today · 4.125%
HK$52,673
baseline
▲ 0.50% · 4.625%
HK$55,449
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,346/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,754
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,551
−HK$1,825/mo
Today · 4.125%
HK$61,376
baseline
▲ 0.50% · 4.625%
HK$65,111
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,752/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,251
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,974
−HK$1,748/mo
Today · 4.125%
HK$67,722
baseline
▲ 0.50% · 4.625%
HK$71,292
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,444/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,667 · Scale 2, in force from 26 Feb 2026)