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$32,119
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,118
−HK$1,015/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,266/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,732
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$972/mo
Today · 4.125%
HK$37,663
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,326/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,543
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,218/mo
Today · 4.125%
HK$40,960
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,492/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,920/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,879
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,029
−HK$1,166/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,578
+HK$2,383/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,967
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,366
−HK$1,421/mo
Today · 4.125%
HK$47,787
baseline
▲ 0.50% · 4.625%
HK$50,694
+HK$2,907/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,574/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,025
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,367
−HK$1,361/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,507
+HK$2,779/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,814
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,613
−HK$1,827/mo
Today · 4.125%
HK$61,440
baseline
▲ 0.50% · 4.625%
HK$65,178
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,880/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,318
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,043
−HK$1,750/mo
Today · 4.125%
HK$67,793
baseline
▲ 0.50% · 4.625%
HK$71,366
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,586/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,216 · Scale 2, in force from 26 Feb 2026)