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$32,058
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$1,013/mo
Today · 4.125%
HK$34,068
baseline
▲ 0.50% · 4.625%
HK$36,141
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,136/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,621
−HK$970/mo
Today · 4.125%
HK$37,591
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,182/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,666
−HK$1,216/mo
Today · 4.125%
HK$40,882
baseline
▲ 0.50% · 4.625%
HK$43,370
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,764/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,797
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,945
−HK$1,164/mo
Today · 4.125%
HK$45,109
baseline
▲ 0.50% · 4.625%
HK$47,487
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,218/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,881
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,419/mo
Today · 4.125%
HK$47,696
baseline
▲ 0.50% · 4.625%
HK$50,598
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,392/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,930
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,269
−HK$1,358/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,401
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,704
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,499
−HK$1,824/mo
Today · 4.125%
HK$61,323
baseline
▲ 0.50% · 4.625%
HK$65,054
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,646/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,195
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,917
−HK$1,747/mo
Today · 4.125%
HK$67,664
baseline
▲ 0.50% · 4.625%
HK$71,230
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,328/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,210 · Scale 2, in force from 26 Feb 2026)