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$32,075
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,072
−HK$1,014/mo
Today · 4.125%
HK$34,086
baseline
▲ 0.50% · 4.625%
HK$36,160
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,172/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,683
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,640
−HK$971/mo
Today · 4.125%
HK$37,611
baseline
▲ 0.50% · 4.625%
HK$39,593
+HK$1,982/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,222/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,216/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,392
+HK$2,489/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,819
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,165/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,301
−HK$1,419/mo
Today · 4.125%
HK$47,720
baseline
▲ 0.50% · 4.625%
HK$50,624
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,440/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,956
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,296
−HK$1,359/mo
Today · 4.125%
HK$52,655
baseline
▲ 0.50% · 4.625%
HK$55,430
+HK$2,775/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,310/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,734
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,530
−HK$1,825/mo
Today · 4.125%
HK$61,355
baseline
▲ 0.50% · 4.625%
HK$65,088
+HK$3,733/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,710/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,229
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,952
−HK$1,747/mo
Today · 4.125%
HK$67,699
baseline
▲ 0.50% · 4.625%
HK$71,268
+HK$3,569/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,398/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,485 · Scale 2, in force from 26 Feb 2026)