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$32,032
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$1,013/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$36,112
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,591
−HK$970/mo
Today · 4.125%
HK$37,561
baseline
▲ 0.50% · 4.625%
HK$39,540
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,122/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,634
−HK$1,215/mo
Today · 4.125%
HK$40,849
baseline
▲ 0.50% · 4.625%
HK$43,334
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,698/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,762
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,909
−HK$1,164/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,449
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,845
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,417/mo
Today · 4.125%
HK$47,657
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,314/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,889
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,227
−HK$1,358/mo
Today · 4.125%
HK$52,585
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,170/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,658
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,822/mo
Today · 4.125%
HK$61,273
baseline
▲ 0.50% · 4.625%
HK$65,002
+HK$3,729/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,546/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,144
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,864
−HK$1,745/mo
Today · 4.125%
HK$67,609
baseline
▲ 0.50% · 4.625%
HK$71,173
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,218/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,784 · Scale 2, in force from 26 Feb 2026)