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$32,052
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,049
−HK$1,013/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$36,135
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,658
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$970/mo
Today · 4.125%
HK$37,584
baseline
▲ 0.50% · 4.625%
HK$39,565
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,168/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,462
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,659
−HK$1,215/mo
Today · 4.125%
HK$40,874
baseline
▲ 0.50% · 4.625%
HK$43,362
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,748/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,937
−HK$1,164/mo
Today · 4.125%
HK$45,101
baseline
▲ 0.50% · 4.625%
HK$47,478
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,202/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,873
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,269
−HK$1,418/mo
Today · 4.125%
HK$47,687
baseline
▲ 0.50% · 4.625%
HK$50,588
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,374/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,921
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,259
−HK$1,359/mo
Today · 4.125%
HK$52,618
baseline
▲ 0.50% · 4.625%
HK$55,391
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,236/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,694
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,488
−HK$1,824/mo
Today · 4.125%
HK$61,312
baseline
▲ 0.50% · 4.625%
HK$65,042
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,624/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,184
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,905
−HK$1,746/mo
Today · 4.125%
HK$67,651
baseline
▲ 0.50% · 4.625%
HK$71,217
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,302/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,113 · Scale 2, in force from 26 Feb 2026)