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$32,067
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,064
−HK$1,014/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$36,151
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,156/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,674
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$970/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,583
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,677
−HK$1,216/mo
Today · 4.125%
HK$40,893
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,488/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,786/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,809
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,164/mo
Today · 4.125%
HK$45,121
baseline
▲ 0.50% · 4.625%
HK$47,500
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,242/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,893
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,290
−HK$1,419/mo
Today · 4.125%
HK$47,709
baseline
▲ 0.50% · 4.625%
HK$50,612
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,418/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,943
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,283
−HK$1,359/mo
Today · 4.125%
HK$52,642
baseline
▲ 0.50% · 4.625%
HK$55,417
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,284/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,720
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,515
−HK$1,825/mo
Today · 4.125%
HK$61,340
baseline
▲ 0.50% · 4.625%
HK$65,072
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,680/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,213
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,935
−HK$1,747/mo
Today · 4.125%
HK$67,682
baseline
▲ 0.50% · 4.625%
HK$71,250
+HK$3,568/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,364/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,354 · Scale 2, in force from 26 Feb 2026)