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$32,034
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$1,013/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$970/mo
Today · 4.125%
HK$37,563
baseline
▲ 0.50% · 4.625%
HK$39,543
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,126/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,441
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,215/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,337
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,765
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,163/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,451
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,847
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,242
−HK$1,418/mo
Today · 4.125%
HK$47,660
baseline
▲ 0.50% · 4.625%
HK$50,560
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,320/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,892
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,230
−HK$1,358/mo
Today · 4.125%
HK$52,588
baseline
▲ 0.50% · 4.625%
HK$55,360
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,176/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,661
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,454
−HK$1,823/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$65,005
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,147
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$1,745/mo
Today · 4.125%
HK$67,613
baseline
▲ 0.50% · 4.625%
HK$71,177
+HK$3,564/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,226/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,813 · Scale 2, in force from 26 Feb 2026)