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$32,018
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,014
−HK$1,012/mo
Today · 4.125%
HK$34,026
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,052/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,620
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,575
−HK$969/mo
Today · 4.125%
HK$37,544
baseline
▲ 0.50% · 4.625%
HK$39,523
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,088/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,617
−HK$1,214/mo
Today · 4.125%
HK$40,831
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,662/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,744
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,890
−HK$1,163/mo
Today · 4.125%
HK$45,053
baseline
▲ 0.50% · 4.625%
HK$47,428
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,106/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,220
−HK$1,416/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,535
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,868
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,205
−HK$1,357/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,332
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,632
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,425
−HK$1,821/mo
Today · 4.125%
HK$61,246
baseline
▲ 0.50% · 4.625%
HK$64,973
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,492/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,115
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,835
−HK$1,744/mo
Today · 4.125%
HK$67,579
baseline
▲ 0.50% · 4.625%
HK$71,142
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,158/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,553 · Scale 2, in force from 26 Feb 2026)