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$32,019
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$1,012/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$36,097
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,620
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$969/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,524
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,214/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$43,316
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,891
−HK$1,163/mo
Today · 4.125%
HK$45,054
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,108/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,826
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,220
−HK$1,417/mo
Today · 4.125%
HK$47,637
baseline
▲ 0.50% · 4.625%
HK$50,536
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,274/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,869
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,206
−HK$1,357/mo
Today · 4.125%
HK$52,563
baseline
▲ 0.50% · 4.625%
HK$55,334
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,126/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,634
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,426
−HK$1,822/mo
Today · 4.125%
HK$61,248
baseline
▲ 0.50% · 4.625%
HK$64,975
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,496/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,117
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,836
−HK$1,745/mo
Today · 4.125%
HK$67,581
baseline
▲ 0.50% · 4.625%
HK$71,143
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,162/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,564 · Scale 2, in force from 26 Feb 2026)