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$32,050
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,047
−HK$1,013/mo
Today · 4.125%
HK$34,060
baseline
▲ 0.50% · 4.625%
HK$36,133
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,120/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,612
−HK$970/mo
Today · 4.125%
HK$37,582
baseline
▲ 0.50% · 4.625%
HK$39,563
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,164/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,460
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,215/mo
Today · 4.125%
HK$40,872
baseline
▲ 0.50% · 4.625%
HK$43,359
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,744/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,787
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,934
−HK$1,164/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,475
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,870
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,266
−HK$1,418/mo
Today · 4.125%
HK$47,684
baseline
▲ 0.50% · 4.625%
HK$50,586
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,368/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,918
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,358/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,388
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,690
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,485
−HK$1,823/mo
Today · 4.125%
HK$61,308
baseline
▲ 0.50% · 4.625%
HK$65,039
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,616/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,180
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,901
−HK$1,746/mo
Today · 4.125%
HK$67,647
baseline
▲ 0.50% · 4.625%
HK$71,213
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,294/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,083 · Scale 2, in force from 26 Feb 2026)