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$32,021
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$1,012/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$36,100
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,579
−HK$969/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,527
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,426
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,214/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,748
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,895
−HK$1,163/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,830
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,224
−HK$1,417/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,540
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,873
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,210
−HK$1,357/mo
Today · 4.125%
HK$52,567
baseline
▲ 0.50% · 4.625%
HK$55,338
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,134/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,638
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,431
−HK$1,822/mo
Today · 4.125%
HK$61,253
baseline
▲ 0.50% · 4.625%
HK$64,980
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,506/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,122
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,842
−HK$1,744/mo
Today · 4.125%
HK$67,586
baseline
▲ 0.50% · 4.625%
HK$71,149
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,172/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,608 · Scale 2, in force from 26 Feb 2026)