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$32,014
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$1,012/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,571
−HK$969/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,417
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,612
−HK$1,214/mo
Today · 4.125%
HK$40,826
baseline
▲ 0.50% · 4.625%
HK$43,311
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,652/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,739
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,885
−HK$1,163/mo
Today · 4.125%
HK$45,048
baseline
▲ 0.50% · 4.625%
HK$47,422
+HK$2,374/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,096/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,820
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,214
−HK$1,417/mo
Today · 4.125%
HK$47,631
baseline
▲ 0.50% · 4.625%
HK$50,529
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,262/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,862
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,199
−HK$1,357/mo
Today · 4.125%
HK$52,556
baseline
▲ 0.50% · 4.625%
HK$55,326
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,112/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,626
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,822/mo
Today · 4.125%
HK$61,240
baseline
▲ 0.50% · 4.625%
HK$64,966
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,480/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,108
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,828
−HK$1,744/mo
Today · 4.125%
HK$67,572
baseline
▲ 0.50% · 4.625%
HK$71,134
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,144/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,494 · Scale 2, in force from 26 Feb 2026)