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$32,009
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,004
−HK$1,012/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,609
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$969/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,410
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,214/mo
Today · 4.125%
HK$40,819
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,484/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,638/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,163/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,374/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,812
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,206
−HK$1,416/mo
Today · 4.125%
HK$47,622
baseline
▲ 0.50% · 4.625%
HK$50,520
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,244/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,853
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,356/mo
Today · 4.125%
HK$52,546
baseline
▲ 0.50% · 4.625%
HK$55,316
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,092/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,616
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,408
−HK$1,821/mo
Today · 4.125%
HK$61,229
baseline
▲ 0.50% · 4.625%
HK$64,954
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,458/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,097
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,816
−HK$1,744/mo
Today · 4.125%
HK$67,560
baseline
▲ 0.50% · 4.625%
HK$71,121
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,120/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,399 · Scale 2, in force from 26 Feb 2026)