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$32,152
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$1,016/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$36,247
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,769
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$973/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,688
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,582
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,782
−HK$1,220/mo
Today · 4.125%
HK$41,002
baseline
▲ 0.50% · 4.625%
HK$43,497
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,004/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,922
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,168/mo
Today · 4.125%
HK$45,241
baseline
▲ 0.50% · 4.625%
HK$47,626
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,482/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,013
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,413
−HK$1,422/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,746
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,362/mo
Today · 4.125%
HK$52,781
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,562/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,873
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,828/mo
Today · 4.125%
HK$61,502
baseline
▲ 0.50% · 4.625%
HK$65,245
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,004/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,383
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,110
−HK$1,752/mo
Today · 4.125%
HK$67,862
baseline
▲ 0.50% · 4.625%
HK$71,439
+HK$3,577/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,724/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,754 · Scale 2, in force from 26 Feb 2026)