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$32,020
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,016
−HK$1,012/mo
Today · 4.125%
HK$34,028
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,056/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,622
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$969/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,526
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,424
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,215/mo
Today · 4.125%
HK$40,834
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,668/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,746
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,893
−HK$1,163/mo
Today · 4.125%
HK$45,056
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,112/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,828
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,417/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,871
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,357/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,336
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,636
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,821/mo
Today · 4.125%
HK$61,250
baseline
▲ 0.50% · 4.625%
HK$64,977
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,500/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,119
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,839
−HK$1,745/mo
Today · 4.125%
HK$67,584
baseline
▲ 0.50% · 4.625%
HK$71,146
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,168/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,586 · Scale 2, in force from 26 Feb 2026)