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$32,134
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,133
−HK$1,016/mo
Today · 4.125%
HK$34,149
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,298/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,707
−HK$973/mo
Today · 4.125%
HK$37,680
baseline
▲ 0.50% · 4.625%
HK$39,666
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,360/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,560
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,760
−HK$1,219/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,472
+HK$2,493/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,898
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,049
−HK$1,167/mo
Today · 4.125%
HK$45,216
baseline
▲ 0.50% · 4.625%
HK$47,599
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,432/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,987
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,387
−HK$1,421/mo
Today · 4.125%
HK$47,808
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,616/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,048
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,390
−HK$1,362/mo
Today · 4.125%
HK$52,752
baseline
▲ 0.50% · 4.625%
HK$55,532
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,504/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,841
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,640
−HK$1,828/mo
Today · 4.125%
HK$61,468
baseline
▲ 0.50% · 4.625%
HK$65,208
+HK$3,740/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,936/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,347
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,073
−HK$1,751/mo
Today · 4.125%
HK$67,824
baseline
▲ 0.50% · 4.625%
HK$71,399
+HK$3,575/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,648/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,456 · Scale 2, in force from 26 Feb 2026)