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$32,041
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$1,012/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$970/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$1,980/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,215/mo
Today · 4.125%
HK$40,860
baseline
▲ 0.50% · 4.625%
HK$43,346
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,720/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,774
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,164/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,857
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,417/mo
Today · 4.125%
HK$47,670
baseline
▲ 0.50% · 4.625%
HK$50,571
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,340/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,903
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,242
−HK$1,357/mo
Today · 4.125%
HK$52,599
baseline
▲ 0.50% · 4.625%
HK$55,372
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,198/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,674
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,468
−HK$1,822/mo
Today · 4.125%
HK$61,290
baseline
▲ 0.50% · 4.625%
HK$65,020
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,580/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,161
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,882
−HK$1,746/mo
Today · 4.125%
HK$67,628
baseline
▲ 0.50% · 4.625%
HK$71,193
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,256/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,930 · Scale 2, in force from 26 Feb 2026)