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$32,022
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$1,012/mo
Today · 4.125%
HK$34,030
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,060/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$969/mo
Today · 4.125%
HK$37,549
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,098/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,214/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$43,321
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,749
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,896
−HK$1,163/mo
Today · 4.125%
HK$45,059
baseline
▲ 0.50% · 4.625%
HK$47,434
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,118/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,831
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,225
−HK$1,417/mo
Today · 4.125%
HK$47,642
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,284/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,212
−HK$1,357/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,640
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,433
−HK$1,821/mo
Today · 4.125%
HK$61,254
baseline
▲ 0.50% · 4.625%
HK$64,982
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,508/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,124
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,844
−HK$1,744/mo
Today · 4.125%
HK$67,588
baseline
▲ 0.50% · 4.625%
HK$71,151
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,176/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,621 · Scale 2, in force from 26 Feb 2026)