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$32,064
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$1,013/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$971/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,580
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,477
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,216/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,378
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,806
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,954
−HK$1,164/mo
Today · 4.125%
HK$45,118
baseline
▲ 0.50% · 4.625%
HK$47,497
+HK$2,379/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,236/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,890
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,287
−HK$1,418/mo
Today · 4.125%
HK$47,705
baseline
▲ 0.50% · 4.625%
HK$50,608
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,410/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,940
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,279
−HK$1,359/mo
Today · 4.125%
HK$52,638
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,276/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,716
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,511
−HK$1,824/mo
Today · 4.125%
HK$61,335
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,670/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,208
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,931
−HK$1,746/mo
Today · 4.125%
HK$67,677
baseline
▲ 0.50% · 4.625%
HK$71,245
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,354/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,317 · Scale 2, in force from 26 Feb 2026)