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$32,126
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$1,015/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$36,217
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,739
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$972/mo
Today · 4.125%
HK$37,670
baseline
▲ 0.50% · 4.625%
HK$39,656
+HK$1,986/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,340/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,551
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,750
−HK$1,218/mo
Today · 4.125%
HK$40,968
baseline
▲ 0.50% · 4.625%
HK$43,461
+HK$2,493/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$81,936/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,887
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,037
−HK$1,167/mo
Today · 4.125%
HK$45,204
baseline
▲ 0.50% · 4.625%
HK$47,587
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$90,408/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,976
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,375
−HK$1,421/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,908/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,361/mo
Today · 4.125%
HK$52,738
baseline
▲ 0.50% · 4.625%
HK$55,518
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,476/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,826
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,625
−HK$1,827/mo
Today · 4.125%
HK$61,452
baseline
▲ 0.50% · 4.625%
HK$65,191
+HK$3,739/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,904/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,331
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,056
−HK$1,750/mo
Today · 4.125%
HK$67,806
baseline
▲ 0.50% · 4.625%
HK$71,381
+HK$3,575/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,612/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,322 · Scale 2, in force from 26 Feb 2026)