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$32,013
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,009
−HK$1,011/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$36,090
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,614
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$969/mo
Today · 4.125%
HK$37,538
baseline
▲ 0.50% · 4.625%
HK$39,517
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,076/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,610
−HK$1,214/mo
Today · 4.125%
HK$40,824
baseline
▲ 0.50% · 4.625%
HK$43,309
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,648/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,883
−HK$1,163/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,420
+HK$2,374/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,818
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,212
−HK$1,417/mo
Today · 4.125%
HK$47,629
baseline
▲ 0.50% · 4.625%
HK$50,527
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,258/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,860
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,197
−HK$1,356/mo
Today · 4.125%
HK$52,553
baseline
▲ 0.50% · 4.625%
HK$55,324
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,106/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,623
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,416
−HK$1,821/mo
Today · 4.125%
HK$61,237
baseline
▲ 0.50% · 4.625%
HK$64,963
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,474/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,105
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,825
−HK$1,744/mo
Today · 4.125%
HK$67,569
baseline
▲ 0.50% · 4.625%
HK$71,130
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,138/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,469 · Scale 2, in force from 26 Feb 2026)