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$32,000
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,995
−HK$1,012/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,600
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$969/mo
Today · 4.125%
HK$37,523
baseline
▲ 0.50% · 4.625%
HK$39,501
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,046/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,594
−HK$1,214/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$43,291
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,163/mo
Today · 4.125%
HK$45,028
baseline
▲ 0.50% · 4.625%
HK$47,401
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,056/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,193
−HK$1,416/mo
Today · 4.125%
HK$47,609
baseline
▲ 0.50% · 4.625%
HK$50,506
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,218/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,839
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,356/mo
Today · 4.125%
HK$52,532
baseline
▲ 0.50% · 4.625%
HK$55,301
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,064/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,600
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,392
−HK$1,820/mo
Today · 4.125%
HK$61,212
baseline
▲ 0.50% · 4.625%
HK$64,937
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,424/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,079
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,798
−HK$1,743/mo
Today · 4.125%
HK$67,541
baseline
▲ 0.50% · 4.625%
HK$71,102
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,082/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,256 · Scale 2, in force from 26 Feb 2026)