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$32,017
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$1,012/mo
Today · 4.125%
HK$34,025
baseline
▲ 0.50% · 4.625%
HK$36,095
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,050/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,618
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,574
−HK$969/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,522
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,086/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,420
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,215/mo
Today · 4.125%
HK$40,830
baseline
▲ 0.50% · 4.625%
HK$43,314
+HK$2,484/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,660/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,742
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,888
−HK$1,163/mo
Today · 4.125%
HK$45,051
baseline
▲ 0.50% · 4.625%
HK$47,426
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,102/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,824
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,218
−HK$1,416/mo
Today · 4.125%
HK$47,634
baseline
▲ 0.50% · 4.625%
HK$50,533
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,268/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,866
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,203
−HK$1,357/mo
Today · 4.125%
HK$52,560
baseline
▲ 0.50% · 4.625%
HK$55,330
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,120/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,630
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,423
−HK$1,821/mo
Today · 4.125%
HK$61,244
baseline
▲ 0.50% · 4.625%
HK$64,971
+HK$3,727/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,488/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,113
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,833
−HK$1,744/mo
Today · 4.125%
HK$67,577
baseline
▲ 0.50% · 4.625%
HK$71,139
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,154/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,535 · Scale 2, in force from 26 Feb 2026)