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$32,108
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,107
−HK$1,014/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$36,198
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,720
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,678
−HK$972/mo
Today · 4.125%
HK$37,650
baseline
▲ 0.50% · 4.625%
HK$39,634
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,300/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,218/mo
Today · 4.125%
HK$40,946
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,892/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,864
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,013
−HK$1,167/mo
Today · 4.125%
HK$45,180
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,381/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,360/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,951
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,349
−HK$1,421/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,008
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,360/mo
Today · 4.125%
HK$52,709
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$2,779/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,418/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,794
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,592
−HK$1,827/mo
Today · 4.125%
HK$61,419
baseline
▲ 0.50% · 4.625%
HK$65,156
+HK$3,737/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,838/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,296
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,020
−HK$1,749/mo
Today · 4.125%
HK$67,769
baseline
▲ 0.50% · 4.625%
HK$71,342
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,538/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,033 · Scale 2, in force from 26 Feb 2026)