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$32,134
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,133
−HK$1,016/mo
Today · 4.125%
HK$34,149
baseline
▲ 0.50% · 4.625%
HK$36,226
+HK$2,077/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,298/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,707
−HK$973/mo
Today · 4.125%
HK$37,680
baseline
▲ 0.50% · 4.625%
HK$39,666
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,360/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,560
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,760
−HK$1,218/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,472
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,898
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,048
−HK$1,168/mo
Today · 4.125%
HK$45,216
baseline
▲ 0.50% · 4.625%
HK$47,599
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,432/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,987
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,386
−HK$1,422/mo
Today · 4.125%
HK$47,808
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,616/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,048
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,390
−HK$1,361/mo
Today · 4.125%
HK$52,751
baseline
▲ 0.50% · 4.625%
HK$55,532
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,502/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,840
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,640
−HK$1,827/mo
Today · 4.125%
HK$61,467
baseline
▲ 0.50% · 4.625%
HK$65,208
+HK$3,741/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,934/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,347
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,073
−HK$1,750/mo
Today · 4.125%
HK$67,823
baseline
▲ 0.50% · 4.625%
HK$71,398
+HK$3,575/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,646/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,453 · Scale 2, in force from 26 Feb 2026)