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$32,078
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$1,014/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$2,074/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,686
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$970/mo
Today · 4.125%
HK$37,614
baseline
▲ 0.50% · 4.625%
HK$39,597
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,228/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,494
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,216/mo
Today · 4.125%
HK$40,907
baseline
▲ 0.50% · 4.625%
HK$43,397
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,814/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,824
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,165/mo
Today · 4.125%
HK$45,137
baseline
▲ 0.50% · 4.625%
HK$47,517
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,274/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,306
−HK$1,419/mo
Today · 4.125%
HK$47,725
baseline
▲ 0.50% · 4.625%
HK$50,629
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,450/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,961
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,301
−HK$1,359/mo
Today · 4.125%
HK$52,660
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,320/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,740
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,825/mo
Today · 4.125%
HK$61,361
baseline
▲ 0.50% · 4.625%
HK$65,095
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,722/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,236
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,958
−HK$1,748/mo
Today · 4.125%
HK$67,706
baseline
▲ 0.50% · 4.625%
HK$71,275
+HK$3,569/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,412/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,540 · Scale 2, in force from 26 Feb 2026)