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$32,142
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$1,015/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$36,236
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,758
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,717
−HK$972/mo
Today · 4.125%
HK$37,689
baseline
▲ 0.50% · 4.625%
HK$39,676
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,378/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,570
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,770
−HK$1,219/mo
Today · 4.125%
HK$40,989
baseline
▲ 0.50% · 4.625%
HK$43,483
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,978/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,909
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,060
−HK$1,167/mo
Today · 4.125%
HK$45,227
baseline
▲ 0.50% · 4.625%
HK$47,611
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,454/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,999
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,398
−HK$1,422/mo
Today · 4.125%
HK$47,820
baseline
▲ 0.50% · 4.625%
HK$50,730
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,640/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,061
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,403
−HK$1,362/mo
Today · 4.125%
HK$52,765
baseline
▲ 0.50% · 4.625%
HK$55,546
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,530/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,855
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,655
−HK$1,828/mo
Today · 4.125%
HK$61,483
baseline
▲ 0.50% · 4.625%
HK$65,225
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,966/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,364
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,090
−HK$1,751/mo
Today · 4.125%
HK$67,841
baseline
▲ 0.50% · 4.625%
HK$71,417
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,682/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,590 · Scale 2, in force from 26 Feb 2026)