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$32,006
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,002
−HK$1,011/mo
Today · 4.125%
HK$34,013
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,026/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,606
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,561
−HK$969/mo
Today · 4.125%
HK$37,530
baseline
▲ 0.50% · 4.625%
HK$39,508
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,060/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,407
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,602
−HK$1,214/mo
Today · 4.125%
HK$40,816
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,483/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,632/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,874
−HK$1,162/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,410
+HK$2,374/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,809
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,202
−HK$1,416/mo
Today · 4.125%
HK$47,618
baseline
▲ 0.50% · 4.625%
HK$50,516
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,236/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,849
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,186
−HK$1,356/mo
Today · 4.125%
HK$52,542
baseline
▲ 0.50% · 4.625%
HK$55,312
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,084/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,611
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,403
−HK$1,821/mo
Today · 4.125%
HK$61,224
baseline
▲ 0.50% · 4.625%
HK$64,949
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,448/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,092
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,811
−HK$1,743/mo
Today · 4.125%
HK$67,554
baseline
▲ 0.50% · 4.625%
HK$71,115
+HK$3,561/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,108/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,358 · Scale 2, in force from 26 Feb 2026)