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$32,053
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,051
−HK$1,013/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$36,136
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,659
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,616
−HK$970/mo
Today · 4.125%
HK$37,586
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,172/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,464
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,661
−HK$1,215/mo
Today · 4.125%
HK$40,876
baseline
▲ 0.50% · 4.625%
HK$43,363
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,752/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,791
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,164/mo
Today · 4.125%
HK$45,103
baseline
▲ 0.50% · 4.625%
HK$47,480
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,206/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,875
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,271
−HK$1,418/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,591
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,923
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,358/mo
Today · 4.125%
HK$52,620
baseline
▲ 0.50% · 4.625%
HK$55,394
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,240/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,696
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,491
−HK$1,823/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$65,045
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,628/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,187
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,908
−HK$1,746/mo
Today · 4.125%
HK$67,654
baseline
▲ 0.50% · 4.625%
HK$71,220
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,308/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,137 · Scale 2, in force from 26 Feb 2026)