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$32,154
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$1,016/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$36,249
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$973/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,690
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,584
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,784
−HK$1,220/mo
Today · 4.125%
HK$41,004
baseline
▲ 0.50% · 4.625%
HK$43,499
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,008/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,925
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,076
−HK$1,168/mo
Today · 4.125%
HK$45,244
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,488/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,015
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,415
−HK$1,423/mo
Today · 4.125%
HK$47,838
baseline
▲ 0.50% · 4.625%
HK$50,749
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,676/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,079
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,422
−HK$1,362/mo
Today · 4.125%
HK$52,784
baseline
▲ 0.50% · 4.625%
HK$55,567
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,568/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,876
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,677
−HK$1,829/mo
Today · 4.125%
HK$61,506
baseline
▲ 0.50% · 4.625%
HK$65,248
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,012/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,387
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,114
−HK$1,751/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,443
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,782 · Scale 2, in force from 26 Feb 2026)