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$32,045
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$1,013/mo
Today · 4.125%
HK$34,054
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,108/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,649
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,605
−HK$970/mo
Today · 4.125%
HK$37,575
baseline
▲ 0.50% · 4.625%
HK$39,556
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,150/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,650
−HK$1,215/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,352
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,779
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,927
−HK$1,164/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,467
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,863
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,258
−HK$1,418/mo
Today · 4.125%
HK$47,676
baseline
▲ 0.50% · 4.625%
HK$50,577
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,352/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,909
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,248
−HK$1,358/mo
Today · 4.125%
HK$52,606
baseline
▲ 0.50% · 4.625%
HK$55,379
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,212/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,680
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,475
−HK$1,823/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$65,027
+HK$3,729/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,169
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,890
−HK$1,746/mo
Today · 4.125%
HK$67,636
baseline
▲ 0.50% · 4.625%
HK$71,201
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,272/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,992 · Scale 2, in force from 26 Feb 2026)