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$32,118
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$1,015/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,731
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,689
−HK$972/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$1,986/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,542
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,218/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,451
+HK$2,492/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,877
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,027
−HK$1,167/mo
Today · 4.125%
HK$45,194
baseline
▲ 0.50% · 4.625%
HK$47,576
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,388/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,965
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,364
−HK$1,421/mo
Today · 4.125%
HK$47,785
baseline
▲ 0.50% · 4.625%
HK$50,693
+HK$2,908/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,570/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,023
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,365
−HK$1,361/mo
Today · 4.125%
HK$52,726
baseline
▲ 0.50% · 4.625%
HK$55,505
+HK$2,779/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,452/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,812
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,611
−HK$1,827/mo
Today · 4.125%
HK$61,438
baseline
▲ 0.50% · 4.625%
HK$65,176
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,876/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,316
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,041
−HK$1,750/mo
Today · 4.125%
HK$67,791
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,582/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,198 · Scale 2, in force from 26 Feb 2026)