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$32,094
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$1,014/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$36,182
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$972/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,513
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,711
−HK$1,217/mo
Today · 4.125%
HK$40,928
baseline
▲ 0.50% · 4.625%
HK$43,419
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,856/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,846
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,165/mo
Today · 4.125%
HK$45,160
baseline
▲ 0.50% · 4.625%
HK$47,541
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,320/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,932
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,420/mo
Today · 4.125%
HK$47,750
baseline
▲ 0.50% · 4.625%
HK$50,655
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,500/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,986
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,327
−HK$1,360/mo
Today · 4.125%
HK$52,687
baseline
▲ 0.50% · 4.625%
HK$55,464
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,374/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,770
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,567
−HK$1,825/mo
Today · 4.125%
HK$61,392
baseline
▲ 0.50% · 4.625%
HK$65,128
+HK$3,736/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,784/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,268
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$65,992
−HK$1,749/mo
Today · 4.125%
HK$67,741
baseline
▲ 0.50% · 4.625%
HK$71,311
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,482/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,808 · Scale 2, in force from 26 Feb 2026)