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$32,145
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$1,016/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,761
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$973/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,680
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,574
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,774
−HK$1,219/mo
Today · 4.125%
HK$40,993
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,986/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,913
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,064
−HK$1,167/mo
Today · 4.125%
HK$45,231
baseline
▲ 0.50% · 4.625%
HK$47,616
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,462/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,003
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,422/mo
Today · 4.125%
HK$47,825
baseline
▲ 0.50% · 4.625%
HK$50,735
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,650/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,065
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,408
−HK$1,362/mo
Today · 4.125%
HK$52,770
baseline
▲ 0.50% · 4.625%
HK$55,552
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,540/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,660
−HK$1,829/mo
Today · 4.125%
HK$61,489
baseline
▲ 0.50% · 4.625%
HK$65,230
+HK$3,741/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,978/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,369
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,096
−HK$1,751/mo
Today · 4.125%
HK$67,847
baseline
▲ 0.50% · 4.625%
HK$71,423
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,694/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,639 · Scale 2, in force from 26 Feb 2026)