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$32,122
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,121
−HK$1,015/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,735
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$972/mo
Today · 4.125%
HK$37,666
baseline
▲ 0.50% · 4.625%
HK$39,651
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,332/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,745
−HK$1,218/mo
Today · 4.125%
HK$40,963
baseline
▲ 0.50% · 4.625%
HK$43,456
+HK$2,493/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,926/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,882
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,032
−HK$1,167/mo
Today · 4.125%
HK$45,199
baseline
▲ 0.50% · 4.625%
HK$47,581
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,398/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,970
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,369
−HK$1,421/mo
Today · 4.125%
HK$47,790
baseline
▲ 0.50% · 4.625%
HK$50,698
+HK$2,908/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,580/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,029
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,361/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,512
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,819
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,618
−HK$1,827/mo
Today · 4.125%
HK$61,445
baseline
▲ 0.50% · 4.625%
HK$65,184
+HK$3,739/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,890/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,323
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,048
−HK$1,750/mo
Today · 4.125%
HK$67,798
baseline
▲ 0.50% · 4.625%
HK$71,372
+HK$3,574/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,596/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,259 · Scale 2, in force from 26 Feb 2026)