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$32,065
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$1,014/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,672
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$970/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,581
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,478
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,675
−HK$1,216/mo
Today · 4.125%
HK$40,891
baseline
▲ 0.50% · 4.625%
HK$43,379
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,782/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,806
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,954
−HK$1,165/mo
Today · 4.125%
HK$45,119
baseline
▲ 0.50% · 4.625%
HK$47,497
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,238/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,891
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,287
−HK$1,419/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,609
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,941
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,280
−HK$1,359/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,717
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,512
−HK$1,824/mo
Today · 4.125%
HK$61,336
baseline
▲ 0.50% · 4.625%
HK$65,068
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,672/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,209
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,931
−HK$1,747/mo
Today · 4.125%
HK$67,678
baseline
▲ 0.50% · 4.625%
HK$71,246
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,356/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,324 · Scale 2, in force from 26 Feb 2026)