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$32,095
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$1,014/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$971/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,618
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,217/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,419
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,846
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,166/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,541
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,933
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,420/mo
Today · 4.125%
HK$47,750
baseline
▲ 0.50% · 4.625%
HK$50,656
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,500/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,987
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,328
−HK$1,360/mo
Today · 4.125%
HK$52,688
baseline
▲ 0.50% · 4.625%
HK$55,465
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,376/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,771
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,568
−HK$1,825/mo
Today · 4.125%
HK$61,393
baseline
▲ 0.50% · 4.625%
HK$65,129
+HK$3,736/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,786/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,269
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,993
−HK$1,748/mo
Today · 4.125%
HK$67,741
baseline
▲ 0.50% · 4.625%
HK$71,312
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,482/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,816 · Scale 2, in force from 26 Feb 2026)