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$32,029
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,025
−HK$1,012/mo
Today · 4.125%
HK$34,037
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$2,072/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,074/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,632
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$969/mo
Today · 4.125%
HK$37,557
baseline
▲ 0.50% · 4.625%
HK$39,537
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,114/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,435
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,630
−HK$1,215/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$43,330
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,758
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,905
−HK$1,163/mo
Today · 4.125%
HK$45,068
baseline
▲ 0.50% · 4.625%
HK$47,444
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,136/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,841
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,235
−HK$1,417/mo
Today · 4.125%
HK$47,652
baseline
▲ 0.50% · 4.625%
HK$50,552
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,304/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,885
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,223
−HK$1,357/mo
Today · 4.125%
HK$52,580
baseline
▲ 0.50% · 4.625%
HK$55,351
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,160/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,652
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,822/mo
Today · 4.125%
HK$61,267
baseline
▲ 0.50% · 4.625%
HK$64,995
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,534/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,858
−HK$1,745/mo
Today · 4.125%
HK$67,603
baseline
▲ 0.50% · 4.625%
HK$71,166
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,206/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,733 · Scale 2, in force from 26 Feb 2026)