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$32,104
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,103
−HK$1,014/mo
Today · 4.125%
HK$34,117
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,234/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,716
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,674
−HK$971/mo
Today · 4.125%
HK$37,645
baseline
▲ 0.50% · 4.625%
HK$39,630
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,290/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,525
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,218/mo
Today · 4.125%
HK$40,941
baseline
▲ 0.50% · 4.625%
HK$43,432
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,882/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,859
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,008
−HK$1,166/mo
Today · 4.125%
HK$45,174
baseline
▲ 0.50% · 4.625%
HK$47,556
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,348/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,946
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,344
−HK$1,420/mo
Today · 4.125%
HK$47,764
baseline
▲ 0.50% · 4.625%
HK$50,671
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,528/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,002
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,343
−HK$1,360/mo
Today · 4.125%
HK$52,703
baseline
▲ 0.50% · 4.625%
HK$55,481
+HK$2,778/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,406/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,788
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,826/mo
Today · 4.125%
HK$61,411
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,822/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,288
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,012
−HK$1,750/mo
Today · 4.125%
HK$67,762
baseline
▲ 0.50% · 4.625%
HK$71,333
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,524/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,972 · Scale 2, in force from 26 Feb 2026)