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$32,032
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,029
−HK$1,012/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$2,072/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,636
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$969/mo
Today · 4.125%
HK$37,561
baseline
▲ 0.50% · 4.625%
HK$39,541
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,122/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,439
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,214/mo
Today · 4.125%
HK$40,849
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,698/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,163/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,449
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,845
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,418/mo
Today · 4.125%
HK$47,658
baseline
▲ 0.50% · 4.625%
HK$50,558
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,316/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,890
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,228
−HK$1,358/mo
Today · 4.125%
HK$52,586
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,172/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,658
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,452
−HK$1,822/mo
Today · 4.125%
HK$61,274
baseline
▲ 0.50% · 4.625%
HK$65,003
+HK$3,729/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,548/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,144
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,865
−HK$1,745/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,174
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,791 · Scale 2, in force from 26 Feb 2026)