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$32,135
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$1,016/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$36,228
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,749
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,708
−HK$973/mo
Today · 4.125%
HK$37,681
baseline
▲ 0.50% · 4.625%
HK$39,667
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,362/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,561
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,219/mo
Today · 4.125%
HK$40,980
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,493/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,960/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,899
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,050
−HK$1,167/mo
Today · 4.125%
HK$45,217
baseline
▲ 0.50% · 4.625%
HK$47,600
+HK$2,383/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,434/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,988
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,422/mo
Today · 4.125%
HK$47,810
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,620/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,049
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,391
−HK$1,362/mo
Today · 4.125%
HK$52,753
baseline
▲ 0.50% · 4.625%
HK$55,534
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,506/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,842
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,641
−HK$1,828/mo
Today · 4.125%
HK$61,469
baseline
▲ 0.50% · 4.625%
HK$65,210
+HK$3,741/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,938/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,349
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,075
−HK$1,750/mo
Today · 4.125%
HK$67,825
baseline
▲ 0.50% · 4.625%
HK$71,401
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,650/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,470 · Scale 2, in force from 26 Feb 2026)