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$32,039
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$1,012/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$2,072/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,643
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,599
−HK$970/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,549
+HK$1,980/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,447
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,643
−HK$1,215/mo
Today · 4.125%
HK$40,858
baseline
▲ 0.50% · 4.625%
HK$43,344
+HK$2,486/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,716/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,772
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,919
−HK$1,163/mo
Today · 4.125%
HK$45,082
baseline
▲ 0.50% · 4.625%
HK$47,459
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,164/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,854
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,417/mo
Today · 4.125%
HK$47,667
baseline
▲ 0.50% · 4.625%
HK$50,568
+HK$2,901/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,334/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,900
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,238
−HK$1,358/mo
Today · 4.125%
HK$52,596
baseline
▲ 0.50% · 4.625%
HK$55,369
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,192/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,670
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,464
−HK$1,822/mo
Today · 4.125%
HK$61,286
baseline
▲ 0.50% · 4.625%
HK$65,016
+HK$3,730/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,572/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,157
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$1,746/mo
Today · 4.125%
HK$67,624
baseline
▲ 0.50% · 4.625%
HK$71,188
+HK$3,564/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,248/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,897 · Scale 2, in force from 26 Feb 2026)