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$32,169
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,170
−HK$1,017/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,788
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,748
−HK$974/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$39,710
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,603
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,220/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,946
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,168/mo
Today · 4.125%
HK$45,266
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,532/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,037
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,438
−HK$1,423/mo
Today · 4.125%
HK$47,861
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,722/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,103
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,447
−HK$1,363/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$55,594
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,905
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,706
−HK$1,830/mo
Today · 4.125%
HK$61,536
baseline
▲ 0.50% · 4.625%
HK$65,280
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,072/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,419
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$1,753/mo
Today · 4.125%
HK$67,899
baseline
▲ 0.50% · 4.625%
HK$71,478
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,798/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,043 · Scale 2, in force from 26 Feb 2026)