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$32,128
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$1,015/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$36,220
+HK$2,078/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,742
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,700
−HK$973/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,658
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,553
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,219/mo
Today · 4.125%
HK$40,971
baseline
▲ 0.50% · 4.625%
HK$43,464
+HK$2,493/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$81,942/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,890
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,167/mo
Today · 4.125%
HK$45,207
baseline
▲ 0.50% · 4.625%
HK$47,590
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$90,414/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,979
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,421/mo
Today · 4.125%
HK$47,799
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,598/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,038
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,380
−HK$1,362/mo
Today · 4.125%
HK$52,742
baseline
▲ 0.50% · 4.625%
HK$55,522
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,484/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,830
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,629
−HK$1,827/mo
Today · 4.125%
HK$61,456
baseline
▲ 0.50% · 4.625%
HK$65,196
+HK$3,740/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,912/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,335
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,060
−HK$1,751/mo
Today · 4.125%
HK$67,811
baseline
▲ 0.50% · 4.625%
HK$71,385
+HK$3,574/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,622/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,357 · Scale 2, in force from 26 Feb 2026)