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$32,027
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$1,013/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,630
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$970/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,628
−HK$1,215/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,756
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,903
−HK$1,163/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,838
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,417/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,549
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,220
−HK$1,357/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,348
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,649
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,442
−HK$1,822/mo
Today · 4.125%
HK$61,264
baseline
▲ 0.50% · 4.625%
HK$64,992
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,528/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,134
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,854
−HK$1,745/mo
Today · 4.125%
HK$67,599
baseline
▲ 0.50% · 4.625%
HK$71,162
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,198/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,703 · Scale 2, in force from 26 Feb 2026)