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$32,100
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$1,014/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$36,188
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$972/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,217/mo
Today · 4.125%
HK$40,935
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,870/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,853
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,166/mo
Today · 4.125%
HK$45,168
baseline
▲ 0.50% · 4.625%
HK$47,549
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,336/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,939
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,337
−HK$1,420/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,663
+HK$2,906/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,995
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,335
−HK$1,361/mo
Today · 4.125%
HK$52,696
baseline
▲ 0.50% · 4.625%
HK$55,473
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,392/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,779
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,576
−HK$1,826/mo
Today · 4.125%
HK$61,402
baseline
▲ 0.50% · 4.625%
HK$65,139
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,804/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,279
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,003
−HK$1,749/mo
Today · 4.125%
HK$67,752
baseline
▲ 0.50% · 4.625%
HK$71,323
+HK$3,571/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,504/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,894 · Scale 2, in force from 26 Feb 2026)