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$32,041
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$1,012/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$969/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,552
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,216/mo
Today · 4.125%
HK$40,861
baseline
▲ 0.50% · 4.625%
HK$43,347
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,722/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,775
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,922
−HK$1,164/mo
Today · 4.125%
HK$45,086
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,172/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,858
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,418/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,571
+HK$2,900/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,242
−HK$1,358/mo
Today · 4.125%
HK$52,600
baseline
▲ 0.50% · 4.625%
HK$55,372
+HK$2,772/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,200/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,674
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,468
−HK$1,823/mo
Today · 4.125%
HK$61,291
baseline
▲ 0.50% · 4.625%
HK$65,020
+HK$3,729/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,582/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,162
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,883
−HK$1,745/mo
Today · 4.125%
HK$67,628
baseline
▲ 0.50% · 4.625%
HK$71,193
+HK$3,565/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,256/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,935 · Scale 2, in force from 26 Feb 2026)