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$32,170
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$1,017/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$974/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,805
−HK$1,220/mo
Today · 4.125%
HK$41,025
baseline
▲ 0.50% · 4.625%
HK$43,522
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,050/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,947
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,099
−HK$1,169/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,039
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,440
−HK$1,423/mo
Today · 4.125%
HK$47,863
baseline
▲ 0.50% · 4.625%
HK$50,775
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,726/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,449
−HK$1,363/mo
Today · 4.125%
HK$52,812
baseline
▲ 0.50% · 4.625%
HK$55,596
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,624/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,907
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,708
−HK$1,830/mo
Today · 4.125%
HK$61,538
baseline
▲ 0.50% · 4.625%
HK$65,283
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,076/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,149
−HK$1,752/mo
Today · 4.125%
HK$67,901
baseline
▲ 0.50% · 4.625%
HK$71,480
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,802/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,061 · Scale 2, in force from 26 Feb 2026)