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$32,011
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$1,012/mo
Today · 4.125%
HK$34,019
baseline
▲ 0.50% · 4.625%
HK$36,089
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,038/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,612
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$968/mo
Today · 4.125%
HK$37,536
baseline
▲ 0.50% · 4.625%
HK$39,515
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,072/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,414
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,609
−HK$1,214/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,735
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,881
−HK$1,163/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,418
+HK$2,374/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,816
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,210
−HK$1,416/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,524
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,857
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,195
−HK$1,356/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,321
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,621
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,413
−HK$1,821/mo
Today · 4.125%
HK$61,234
baseline
▲ 0.50% · 4.625%
HK$64,960
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,468/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,102
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,822
−HK$1,744/mo
Today · 4.125%
HK$67,566
baseline
▲ 0.50% · 4.625%
HK$71,127
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,132/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,445 · Scale 2, in force from 26 Feb 2026)