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$32,048
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$1,013/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,610
−HK$970/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,561
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,160/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,216/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,356
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,784
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,932
−HK$1,164/mo
Today · 4.125%
HK$45,096
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,192/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,868
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,418/mo
Today · 4.125%
HK$47,681
baseline
▲ 0.50% · 4.625%
HK$50,582
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,362/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,915
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,253
−HK$1,359/mo
Today · 4.125%
HK$52,612
baseline
▲ 0.50% · 4.625%
HK$55,385
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,224/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,687
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,481
−HK$1,823/mo
Today · 4.125%
HK$61,304
baseline
▲ 0.50% · 4.625%
HK$65,035
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,608/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,176
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,897
−HK$1,746/mo
Today · 4.125%
HK$67,643
baseline
▲ 0.50% · 4.625%
HK$71,209
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,286/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,051 · Scale 2, in force from 26 Feb 2026)