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$32,097
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$1,014/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$36,185
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,707
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,665
−HK$971/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,516
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,217/mo
Today · 4.125%
HK$40,931
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,862/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,998
−HK$1,166/mo
Today · 4.125%
HK$45,164
baseline
▲ 0.50% · 4.625%
HK$47,544
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,328/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,935
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,420/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,659
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,506/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,990
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,331
−HK$1,360/mo
Today · 4.125%
HK$52,691
baseline
▲ 0.50% · 4.625%
HK$55,468
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,382/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,774
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,571
−HK$1,826/mo
Today · 4.125%
HK$61,397
baseline
▲ 0.50% · 4.625%
HK$65,133
+HK$3,736/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,794/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,273
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,997
−HK$1,748/mo
Today · 4.125%
HK$67,745
baseline
▲ 0.50% · 4.625%
HK$71,316
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,490/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,846 · Scale 2, in force from 26 Feb 2026)