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$32,026
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$1,012/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$969/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,627
−HK$1,215/mo
Today · 4.125%
HK$40,842
baseline
▲ 0.50% · 4.625%
HK$43,327
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,684/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,755
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,164/mo
Today · 4.125%
HK$45,065
baseline
▲ 0.50% · 4.625%
HK$47,440
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,130/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,837
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,232
−HK$1,417/mo
Today · 4.125%
HK$47,649
baseline
▲ 0.50% · 4.625%
HK$50,548
+HK$2,899/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,298/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,881
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,218
−HK$1,358/mo
Today · 4.125%
HK$52,576
baseline
▲ 0.50% · 4.625%
HK$55,347
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,152/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,647
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,441
−HK$1,821/mo
Today · 4.125%
HK$61,262
baseline
▲ 0.50% · 4.625%
HK$64,990
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,524/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,132
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,852
−HK$1,745/mo
Today · 4.125%
HK$67,597
baseline
▲ 0.50% · 4.625%
HK$71,160
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,194/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,691 · Scale 2, in force from 26 Feb 2026)