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$32,073
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,071
−HK$1,014/mo
Today · 4.125%
HK$34,085
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,170/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,681
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$971/mo
Today · 4.125%
HK$37,609
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,218/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,488
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,685
−HK$1,217/mo
Today · 4.125%
HK$40,902
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,488/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,804/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,818
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,966
−HK$1,165/mo
Today · 4.125%
HK$45,131
baseline
▲ 0.50% · 4.625%
HK$47,510
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,262/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,903
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,299
−HK$1,420/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,622
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,954
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,294
−HK$1,359/mo
Today · 4.125%
HK$52,653
baseline
▲ 0.50% · 4.625%
HK$55,428
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,306/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,732
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,528
−HK$1,824/mo
Today · 4.125%
HK$61,352
baseline
▲ 0.50% · 4.625%
HK$65,086
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,704/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,226
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,949
−HK$1,747/mo
Today · 4.125%
HK$67,696
baseline
▲ 0.50% · 4.625%
HK$71,265
+HK$3,569/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,392/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,464 · Scale 2, in force from 26 Feb 2026)