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$32,098
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,096
−HK$1,015/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$36,186
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,666
−HK$972/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,517
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,217/mo
Today · 4.125%
HK$40,933
baseline
▲ 0.50% · 4.625%
HK$43,424
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,866/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,850
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,000
−HK$1,165/mo
Today · 4.125%
HK$45,165
baseline
▲ 0.50% · 4.625%
HK$47,546
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,330/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,937
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,335
−HK$1,420/mo
Today · 4.125%
HK$47,755
baseline
▲ 0.50% · 4.625%
HK$50,661
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,510/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,992
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,333
−HK$1,360/mo
Today · 4.125%
HK$52,693
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,386/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,776
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,573
−HK$1,826/mo
Today · 4.125%
HK$61,399
baseline
▲ 0.50% · 4.625%
HK$65,135
+HK$3,736/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,798/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,275
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$65,999
−HK$1,749/mo
Today · 4.125%
HK$67,748
baseline
▲ 0.50% · 4.625%
HK$71,319
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,496/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,867 · Scale 2, in force from 26 Feb 2026)