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$32,084
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,082
−HK$1,014/mo
Today · 4.125%
HK$34,096
baseline
▲ 0.50% · 4.625%
HK$36,171
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,192/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,693
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,651
−HK$971/mo
Today · 4.125%
HK$37,622
baseline
▲ 0.50% · 4.625%
HK$39,605
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,244/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,217/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,832/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,832
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,981
−HK$1,165/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,526
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,918
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,315
−HK$1,420/mo
Today · 4.125%
HK$47,735
baseline
▲ 0.50% · 4.625%
HK$50,639
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,470/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,971
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,311
−HK$1,360/mo
Today · 4.125%
HK$52,671
baseline
▲ 0.50% · 4.625%
HK$55,447
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,342/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,752
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,548
−HK$1,825/mo
Today · 4.125%
HK$61,373
baseline
▲ 0.50% · 4.625%
HK$65,108
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,746/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,248
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,971
−HK$1,748/mo
Today · 4.125%
HK$67,719
baseline
▲ 0.50% · 4.625%
HK$71,289
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,438/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,644 · Scale 2, in force from 26 Feb 2026)