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$32,010
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,006
−HK$1,011/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$36,087
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,611
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$969/mo
Today · 4.125%
HK$37,535
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,070/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,412
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,607
−HK$1,214/mo
Today · 4.125%
HK$40,821
baseline
▲ 0.50% · 4.625%
HK$43,305
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,642/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,879
−HK$1,163/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,416
+HK$2,374/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,416/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,248/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,192
−HK$1,357/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,618
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,410
−HK$1,821/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,099
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,819
−HK$1,744/mo
Today · 4.125%
HK$67,563
baseline
▲ 0.50% · 4.625%
HK$71,124
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,126/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,421 · Scale 2, in force from 26 Feb 2026)