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$32,008
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$1,012/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$36,084
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,608
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,563
−HK$969/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,510
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,409
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,604
−HK$1,214/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$43,301
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,730
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,162/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,412
+HK$2,374/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,811
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,204
−HK$1,417/mo
Today · 4.125%
HK$47,621
baseline
▲ 0.50% · 4.625%
HK$50,518
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,242/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,851
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,188
−HK$1,357/mo
Today · 4.125%
HK$52,545
baseline
▲ 0.50% · 4.625%
HK$55,314
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,090/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,614
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,406
−HK$1,821/mo
Today · 4.125%
HK$61,227
baseline
▲ 0.50% · 4.625%
HK$64,952
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,454/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,095
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,814
−HK$1,743/mo
Today · 4.125%
HK$67,557
baseline
▲ 0.50% · 4.625%
HK$71,119
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,114/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,382 · Scale 2, in force from 26 Feb 2026)