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$32,054
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,051
−HK$1,013/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$36,137
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,660
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,616
−HK$971/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,568
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,465
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,662
−HK$1,215/mo
Today · 4.125%
HK$40,877
baseline
▲ 0.50% · 4.625%
HK$43,364
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,754/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,792
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,164/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,481
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,876
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,272
−HK$1,418/mo
Today · 4.125%
HK$47,690
baseline
▲ 0.50% · 4.625%
HK$50,592
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,380/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,924
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,263
−HK$1,358/mo
Today · 4.125%
HK$52,621
baseline
▲ 0.50% · 4.625%
HK$55,395
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,242/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,698
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,492
−HK$1,824/mo
Today · 4.125%
HK$61,316
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,632/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,188
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$1,747/mo
Today · 4.125%
HK$67,656
baseline
▲ 0.50% · 4.625%
HK$71,222
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,312/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,148 · Scale 2, in force from 26 Feb 2026)