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$32,016
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$1,012/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$2,070/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,573
−HK$969/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,521
+HK$1,979/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,614
−HK$1,214/mo
Today · 4.125%
HK$40,828
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,485/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$81,656/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,163/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,425
+HK$2,375/mo
Deposit HK$5.62M · loan HK$8.42M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,822
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,217
−HK$1,416/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,531
+HK$2,898/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,864
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,202
−HK$1,356/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,329
+HK$2,771/mo
Deposit HK$4.21M · loan HK$9.83M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,629
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,421
−HK$1,822/mo
Today · 4.125%
HK$61,243
baseline
▲ 0.50% · 4.625%
HK$64,969
+HK$3,726/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$122,486/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,111
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,831
−HK$1,744/mo
Today · 4.125%
HK$67,575
baseline
▲ 0.50% · 4.625%
HK$71,137
+HK$3,562/mo
Deposit HK$1.40M · loan HK$12.64M · min. income ≈ HK$135,150/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,519 · Scale 2, in force from 26 Feb 2026)