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$32,147
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$1,016/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,722
−HK$973/mo
Today · 4.125%
HK$37,695
baseline
▲ 0.50% · 4.625%
HK$39,682
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,390/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,576
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,776
−HK$1,219/mo
Today · 4.125%
HK$40,995
baseline
▲ 0.50% · 4.625%
HK$43,490
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,990/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,916
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,067
−HK$1,167/mo
Today · 4.125%
HK$45,234
baseline
▲ 0.50% · 4.625%
HK$47,619
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,468/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,006
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,406
−HK$1,422/mo
Today · 4.125%
HK$47,828
baseline
▲ 0.50% · 4.625%
HK$50,738
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,656/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,068
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,411
−HK$1,363/mo
Today · 4.125%
HK$52,774
baseline
▲ 0.50% · 4.625%
HK$55,555
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,548/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,865
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,664
−HK$1,829/mo
Today · 4.125%
HK$61,493
baseline
▲ 0.50% · 4.625%
HK$65,235
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,986/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,374
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,100
−HK$1,752/mo
Today · 4.125%
HK$67,852
baseline
▲ 0.50% · 4.625%
HK$71,428
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,704/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,674 · Scale 2, in force from 26 Feb 2026)