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$32,025
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,021
−HK$1,012/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$36,104
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,627
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$970/mo
Today · 4.125%
HK$37,552
baseline
▲ 0.50% · 4.625%
HK$39,531
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,104/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,429
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,625
−HK$1,214/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$43,324
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,752
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,163/mo
Today · 4.125%
HK$45,062
baseline
▲ 0.50% · 4.625%
HK$47,437
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,124/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,229
−HK$1,417/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,545
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,878
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,357/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,344
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,144/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,644
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,437
−HK$1,822/mo
Today · 4.125%
HK$61,259
baseline
▲ 0.50% · 4.625%
HK$64,986
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,518/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,129
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,848
−HK$1,745/mo
Today · 4.125%
HK$67,593
baseline
▲ 0.50% · 4.625%
HK$71,156
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,186/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,660 · Scale 2, in force from 26 Feb 2026)