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$32,156
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$1,016/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$974/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,587
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,787
−HK$1,220/mo
Today · 4.125%
HK$41,007
baseline
▲ 0.50% · 4.625%
HK$43,502
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,014/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,928
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,079
−HK$1,168/mo
Today · 4.125%
HK$45,247
baseline
▲ 0.50% · 4.625%
HK$47,632
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,494/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,018
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,423/mo
Today · 4.125%
HK$47,841
baseline
▲ 0.50% · 4.625%
HK$50,752
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,682/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,082
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,363/mo
Today · 4.125%
HK$52,788
baseline
▲ 0.50% · 4.625%
HK$55,571
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,576/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,880
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,681
−HK$1,829/mo
Today · 4.125%
HK$61,510
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,020/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,391
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,118
−HK$1,752/mo
Today · 4.125%
HK$67,870
baseline
▲ 0.50% · 4.625%
HK$71,448
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,740/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,820 · Scale 2, in force from 26 Feb 2026)