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$32,031
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$1,013/mo
Today · 4.125%
HK$34,040
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$2,071/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,080/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,590
−HK$969/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$1,980/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,437
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,215/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,333
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,761
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,908
−HK$1,163/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,376/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,843
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,417/mo
Today · 4.125%
HK$47,655
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,900/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,310/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,226
−HK$1,357/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,355
+HK$2,772/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,656
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,449
−HK$1,822/mo
Today · 4.125%
HK$61,271
baseline
▲ 0.50% · 4.625%
HK$64,999
+HK$3,728/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,542/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,141
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,862
−HK$1,745/mo
Today · 4.125%
HK$67,607
baseline
▲ 0.50% · 4.625%
HK$71,170
+HK$3,563/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,214/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,766 · Scale 2, in force from 26 Feb 2026)