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$32,009
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$1,012/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$36,087
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$969/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,214/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$43,304
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,732
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,163/mo
Today · 4.125%
HK$45,041
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,374/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,082/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,813
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,207
−HK$1,416/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,521
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,854
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,191
−HK$1,357/mo
Today · 4.125%
HK$52,548
baseline
▲ 0.50% · 4.625%
HK$55,318
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,096/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,617
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,409
−HK$1,821/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,956
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,098
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,817
−HK$1,744/mo
Today · 4.125%
HK$67,561
baseline
▲ 0.50% · 4.625%
HK$71,123
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,122/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,413 · Scale 2, in force from 26 Feb 2026)