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$32,113
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,112
−HK$1,015/mo
Today · 4.125%
HK$34,127
baseline
▲ 0.50% · 4.625%
HK$36,203
+HK$2,076/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,254/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$972/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,535
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,734
−HK$1,218/mo
Today · 4.125%
HK$40,952
baseline
▲ 0.50% · 4.625%
HK$43,444
+HK$2,492/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,904/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,870
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,020
−HK$1,166/mo
Today · 4.125%
HK$45,186
baseline
▲ 0.50% · 4.625%
HK$47,568
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,372/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,958
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,356
−HK$1,421/mo
Today · 4.125%
HK$47,777
baseline
▲ 0.50% · 4.625%
HK$50,684
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,554/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,015
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,357
−HK$1,360/mo
Today · 4.125%
HK$52,717
baseline
▲ 0.50% · 4.625%
HK$55,496
+HK$2,779/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,434/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,601
−HK$1,827/mo
Today · 4.125%
HK$61,428
baseline
▲ 0.50% · 4.625%
HK$65,165
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,856/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,305
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,030
−HK$1,749/mo
Today · 4.125%
HK$67,779
baseline
▲ 0.50% · 4.625%
HK$71,352
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,558/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,112 · Scale 2, in force from 26 Feb 2026)