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$32,140
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,140
−HK$1,016/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$36,234
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,756
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,715
−HK$972/mo
Today · 4.125%
HK$37,687
baseline
▲ 0.50% · 4.625%
HK$39,674
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,374/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,219/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,167/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,996
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,396
−HK$1,422/mo
Today · 4.125%
HK$47,818
baseline
▲ 0.50% · 4.625%
HK$50,728
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,636/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,058
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,400
−HK$1,362/mo
Today · 4.125%
HK$52,762
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,524/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,852
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,652
−HK$1,828/mo
Today · 4.125%
HK$61,480
baseline
▲ 0.50% · 4.625%
HK$65,221
+HK$3,741/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,960/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,360
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,086
−HK$1,751/mo
Today · 4.125%
HK$67,837
baseline
▲ 0.50% · 4.625%
HK$71,413
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,674/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,563 · Scale 2, in force from 26 Feb 2026)