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$32,047
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$1,012/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$36,129
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,652
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,608
−HK$970/mo
Today · 4.125%
HK$37,578
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,156/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,216/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,164/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,261
−HK$1,418/mo
Today · 4.125%
HK$47,679
baseline
▲ 0.50% · 4.625%
HK$50,580
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,358/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,912
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,251
−HK$1,358/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,382
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,684
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,478
−HK$1,823/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$65,031
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,173
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,894
−HK$1,746/mo
Today · 4.125%
HK$67,640
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,280/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,025 · Scale 2, in force from 26 Feb 2026)