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$32,123
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$1,015/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,737
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,695
−HK$973/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,653
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,218/mo
Today · 4.125%
HK$40,965
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,493/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$81,930/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,035
−HK$1,166/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,584
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,973
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,372
−HK$1,421/mo
Today · 4.125%
HK$47,793
baseline
▲ 0.50% · 4.625%
HK$50,701
+HK$2,908/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,586/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,032
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,374
−HK$1,361/mo
Today · 4.125%
HK$52,735
baseline
▲ 0.50% · 4.625%
HK$55,515
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,470/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,822
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,621
−HK$1,827/mo
Today · 4.125%
HK$61,448
baseline
▲ 0.50% · 4.625%
HK$65,187
+HK$3,739/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,896/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,327
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,052
−HK$1,750/mo
Today · 4.125%
HK$67,802
baseline
▲ 0.50% · 4.625%
HK$71,376
+HK$3,574/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,604/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,287 · Scale 2, in force from 26 Feb 2026)