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$32,131
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$1,016/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$36,224
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,704
−HK$973/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,557
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,756
−HK$1,219/mo
Today · 4.125%
HK$40,975
baseline
▲ 0.50% · 4.625%
HK$43,468
+HK$2,493/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$81,950/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,894
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,045
−HK$1,167/mo
Today · 4.125%
HK$45,212
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.45M · min. income ≈ HK$90,424/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,983
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,383
−HK$1,421/mo
Today · 4.125%
HK$47,804
baseline
▲ 0.50% · 4.625%
HK$50,713
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,608/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,044
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,386
−HK$1,361/mo
Today · 4.125%
HK$52,747
baseline
▲ 0.50% · 4.625%
HK$55,528
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,494/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,836
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,635
−HK$1,828/mo
Today · 4.125%
HK$61,463
baseline
▲ 0.50% · 4.625%
HK$65,202
+HK$3,739/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,926/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,342
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,067
−HK$1,751/mo
Today · 4.125%
HK$67,818
baseline
▲ 0.50% · 4.625%
HK$71,393
+HK$3,575/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,636/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,411 · Scale 2, in force from 26 Feb 2026)