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$32,111
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$1,015/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$972/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,638
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,218/mo
Today · 4.125%
HK$40,950
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,492/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,900/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,868
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,166/mo
Today · 4.125%
HK$45,184
baseline
▲ 0.50% · 4.625%
HK$47,566
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,368/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,956
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,354
−HK$1,421/mo
Today · 4.125%
HK$47,775
baseline
▲ 0.50% · 4.625%
HK$50,682
+HK$2,907/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$95,550/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,013
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,354
−HK$1,361/mo
Today · 4.125%
HK$52,715
baseline
▲ 0.50% · 4.625%
HK$55,494
+HK$2,779/mo
Deposit HK$4.22M · loan HK$9.86M · min. income ≈ HK$105,430/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,801
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,826/mo
Today · 4.125%
HK$61,425
baseline
▲ 0.50% · 4.625%
HK$65,163
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,850/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,303
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,027
−HK$1,750/mo
Today · 4.125%
HK$67,777
baseline
▲ 0.50% · 4.625%
HK$71,349
+HK$3,572/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,554/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,090 · Scale 2, in force from 26 Feb 2026)