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$32,030
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$1,013/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$969/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,538
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,436
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,632
−HK$1,214/mo
Today · 4.125%
HK$40,846
baseline
▲ 0.50% · 4.625%
HK$43,332
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,692/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,760
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,163/mo
Today · 4.125%
HK$45,070
baseline
▲ 0.50% · 4.625%
HK$47,446
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,140/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,842
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,237
−HK$1,417/mo
Today · 4.125%
HK$47,654
baseline
▲ 0.50% · 4.625%
HK$50,554
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,308/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,886
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,224
−HK$1,358/mo
Today · 4.125%
HK$52,582
baseline
▲ 0.50% · 4.625%
HK$55,353
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,164/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,654
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,823/mo
Today · 4.125%
HK$61,270
baseline
▲ 0.50% · 4.625%
HK$64,998
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,540/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,140
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,860
−HK$1,745/mo
Today · 4.125%
HK$67,605
baseline
▲ 0.50% · 4.625%
HK$71,168
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,210/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,751 · Scale 2, in force from 26 Feb 2026)