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$32,159
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,160
−HK$1,016/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$36,256
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,737
−HK$973/mo
Today · 4.125%
HK$37,710
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,420/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,591
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,792
−HK$1,219/mo
Today · 4.125%
HK$41,011
baseline
▲ 0.50% · 4.625%
HK$43,507
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,022/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,933
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,084
−HK$1,168/mo
Today · 4.125%
HK$45,252
baseline
▲ 0.50% · 4.625%
HK$47,637
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,504/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,023
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,424
−HK$1,423/mo
Today · 4.125%
HK$47,847
baseline
▲ 0.50% · 4.625%
HK$50,758
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,694/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,088
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,431
−HK$1,363/mo
Today · 4.125%
HK$52,794
baseline
▲ 0.50% · 4.625%
HK$55,577
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,588/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,887
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,829/mo
Today · 4.125%
HK$61,517
baseline
▲ 0.50% · 4.625%
HK$65,260
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,034/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,126
−HK$1,752/mo
Today · 4.125%
HK$67,878
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,756/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,880 · Scale 2, in force from 26 Feb 2026)