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$32,009
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$1,011/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$969/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,214/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,732
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,162/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,375/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,813
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,207
−HK$1,416/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,521
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,854
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,191
−HK$1,356/mo
Today · 4.125%
HK$52,547
baseline
▲ 0.50% · 4.625%
HK$55,317
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,094/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,616
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,409
−HK$1,820/mo
Today · 4.125%
HK$61,229
baseline
▲ 0.50% · 4.625%
HK$64,955
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,458/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,098
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,817
−HK$1,744/mo
Today · 4.125%
HK$67,561
baseline
▲ 0.50% · 4.625%
HK$71,122
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,122/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,406 · Scale 2, in force from 26 Feb 2026)