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$32,167
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$1,017/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$36,264
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,785
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,745
−HK$973/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$39,706
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,801
−HK$1,219/mo
Today · 4.125%
HK$41,020
baseline
▲ 0.50% · 4.625%
HK$43,516
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,040/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,942
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,094
−HK$1,168/mo
Today · 4.125%
HK$45,262
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,524/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,434
−HK$1,423/mo
Today · 4.125%
HK$47,857
baseline
▲ 0.50% · 4.625%
HK$50,769
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,714/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,099
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,443
−HK$1,363/mo
Today · 4.125%
HK$52,806
baseline
▲ 0.50% · 4.625%
HK$55,589
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,612/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,900
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,701
−HK$1,830/mo
Today · 4.125%
HK$61,531
baseline
▲ 0.50% · 4.625%
HK$65,275
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,062/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,413
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,140
−HK$1,753/mo
Today · 4.125%
HK$67,893
baseline
▲ 0.50% · 4.625%
HK$71,472
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,786/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,996 · Scale 2, in force from 26 Feb 2026)