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$2,007/mo
▼ 0.25% · 3.875%
HK$33,009
−HK$1,012/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$36,091
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,615
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,570
−HK$969/mo
Today · 4.125%
HK$37,539
baseline
▲ 0.50% · 4.625%
HK$39,518
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,078/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,416
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,611
−HK$1,214/mo
Today · 4.125%
HK$40,825
baseline
▲ 0.50% · 4.625%
HK$43,310
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,650/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,738
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,884
−HK$1,163/mo
Today · 4.125%
HK$45,047
baseline
▲ 0.50% · 4.625%
HK$47,421
+HK$2,374/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,094/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,819
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,213
−HK$1,417/mo
Today · 4.125%
HK$47,630
baseline
▲ 0.50% · 4.625%
HK$50,528
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,260/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,861
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,198
−HK$1,357/mo
Today · 4.125%
HK$52,555
baseline
▲ 0.50% · 4.625%
HK$55,325
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,110/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,625
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,417
−HK$1,821/mo
Today · 4.125%
HK$61,238
baseline
▲ 0.50% · 4.625%
HK$64,964
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,476/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,107
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,826
−HK$1,744/mo
Today · 4.125%
HK$67,570
baseline
▲ 0.50% · 4.625%
HK$71,132
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,140/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,481 · Scale 2, in force from 26 Feb 2026)