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$32,008
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,004
−HK$1,011/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$36,085
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,609
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$969/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,511
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,410
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,213/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,484/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,162/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,413
+HK$2,374/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,811
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,205
−HK$1,417/mo
Today · 4.125%
HK$47,622
baseline
▲ 0.50% · 4.625%
HK$50,519
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,244/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,852
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,189
−HK$1,357/mo
Today · 4.125%
HK$52,546
baseline
▲ 0.50% · 4.625%
HK$55,315
+HK$2,769/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,092/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,615
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,407
−HK$1,821/mo
Today · 4.125%
HK$61,228
baseline
▲ 0.50% · 4.625%
HK$64,953
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,456/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,096
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,815
−HK$1,744/mo
Today · 4.125%
HK$67,559
baseline
▲ 0.50% · 4.625%
HK$71,120
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,118/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,392 · Scale 2, in force from 26 Feb 2026)