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$32,171
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,172
−HK$1,017/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$36,269
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,790
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,750
−HK$974/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,220/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,523
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,948
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,168/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$47,655
+HK$2,387/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,040
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,441
−HK$1,423/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,776
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,106
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,450
−HK$1,363/mo
Today · 4.125%
HK$52,813
baseline
▲ 0.50% · 4.625%
HK$55,597
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,626/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,908
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,709
−HK$1,830/mo
Today · 4.125%
HK$61,539
baseline
▲ 0.50% · 4.625%
HK$65,284
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,078/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,422
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,150
−HK$1,753/mo
Today · 4.125%
HK$67,903
baseline
▲ 0.50% · 4.625%
HK$71,482
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,806/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,071 · Scale 2, in force from 26 Feb 2026)