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$32,049
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,046
−HK$1,013/mo
Today · 4.125%
HK$34,059
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,118/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,655
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,611
−HK$970/mo
Today · 4.125%
HK$37,581
baseline
▲ 0.50% · 4.625%
HK$39,562
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,162/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,459
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,655
−HK$1,216/mo
Today · 4.125%
HK$40,871
baseline
▲ 0.50% · 4.625%
HK$43,358
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,742/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,785
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,164/mo
Today · 4.125%
HK$45,097
baseline
▲ 0.50% · 4.625%
HK$47,474
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,194/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,869
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,265
−HK$1,418/mo
Today · 4.125%
HK$47,683
baseline
▲ 0.50% · 4.625%
HK$50,584
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,366/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,916
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,255
−HK$1,358/mo
Today · 4.125%
HK$52,613
baseline
▲ 0.50% · 4.625%
HK$55,386
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,226/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,689
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,483
−HK$1,823/mo
Today · 4.125%
HK$61,306
baseline
▲ 0.50% · 4.625%
HK$65,037
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,612/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,178
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,899
−HK$1,747/mo
Today · 4.125%
HK$67,646
baseline
▲ 0.50% · 4.625%
HK$71,211
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,292/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,068 · Scale 2, in force from 26 Feb 2026)