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$32,051
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,048
−HK$1,013/mo
Today · 4.125%
HK$34,061
baseline
▲ 0.50% · 4.625%
HK$36,133
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,122/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,613
−HK$970/mo
Today · 4.125%
HK$37,583
baseline
▲ 0.50% · 4.625%
HK$39,564
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,166/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,461
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,216/mo
Today · 4.125%
HK$40,873
baseline
▲ 0.50% · 4.625%
HK$43,360
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,746/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,788
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,935
−HK$1,164/mo
Today · 4.125%
HK$45,099
baseline
▲ 0.50% · 4.625%
HK$47,476
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,198/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,871
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,418/mo
Today · 4.125%
HK$47,685
baseline
▲ 0.50% · 4.625%
HK$50,587
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,370/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,919
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,258
−HK$1,358/mo
Today · 4.125%
HK$52,616
baseline
▲ 0.50% · 4.625%
HK$55,389
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,232/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,692
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,823/mo
Today · 4.125%
HK$61,309
baseline
▲ 0.50% · 4.625%
HK$65,040
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,618/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,181
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,903
−HK$1,746/mo
Today · 4.125%
HK$67,649
baseline
▲ 0.50% · 4.625%
HK$71,215
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,298/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,094 · Scale 2, in force from 26 Feb 2026)