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$32,064
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$1,013/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,670
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$971/mo
Today · 4.125%
HK$37,598
baseline
▲ 0.50% · 4.625%
HK$39,579
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,196/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,476
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,673
−HK$1,216/mo
Today · 4.125%
HK$40,889
baseline
▲ 0.50% · 4.625%
HK$43,377
+HK$2,488/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$81,778/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,805
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,953
−HK$1,164/mo
Today · 4.125%
HK$45,117
baseline
▲ 0.50% · 4.625%
HK$47,495
+HK$2,378/mo
Deposit HK$5.62M · loan HK$8.44M · min. income ≈ HK$90,234/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,889
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,419/mo
Today · 4.125%
HK$47,704
baseline
▲ 0.50% · 4.625%
HK$50,607
+HK$2,903/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,408/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,939
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,278
−HK$1,359/mo
Today · 4.125%
HK$52,637
baseline
▲ 0.50% · 4.625%
HK$55,411
+HK$2,774/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,274/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,715
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,510
−HK$1,824/mo
Today · 4.125%
HK$61,334
baseline
▲ 0.50% · 4.625%
HK$65,066
+HK$3,732/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,668/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,207
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,929
−HK$1,747/mo
Today · 4.125%
HK$67,676
baseline
▲ 0.50% · 4.625%
HK$71,243
+HK$3,567/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,352/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,304 · Scale 2, in force from 26 Feb 2026)