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$32,031
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$1,012/mo
Today · 4.125%
HK$34,040
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,080/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,590
−HK$970/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,437
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,215/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,333
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,761
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,908
−HK$1,164/mo
Today · 4.125%
HK$45,072
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,144/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,844
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,239
−HK$1,417/mo
Today · 4.125%
HK$47,656
baseline
▲ 0.50% · 4.625%
HK$50,556
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,312/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,226
−HK$1,358/mo
Today · 4.125%
HK$52,584
baseline
▲ 0.50% · 4.625%
HK$55,355
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,168/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,656
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,450
−HK$1,822/mo
Today · 4.125%
HK$61,272
baseline
▲ 0.50% · 4.625%
HK$65,000
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,544/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,142
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,862
−HK$1,745/mo
Today · 4.125%
HK$67,607
baseline
▲ 0.50% · 4.625%
HK$71,171
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,214/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,771 · Scale 2, in force from 26 Feb 2026)