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$31,997
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,992
−HK$1,011/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,596
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$969/mo
Today · 4.125%
HK$37,519
baseline
▲ 0.50% · 4.625%
HK$39,497
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,038/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,396
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,590
−HK$1,214/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$43,286
+HK$2,482/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,715
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,162/mo
Today · 4.125%
HK$45,023
baseline
▲ 0.50% · 4.625%
HK$47,396
+HK$2,373/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,046/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,795
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,189
−HK$1,415/mo
Today · 4.125%
HK$47,604
baseline
▲ 0.50% · 4.625%
HK$50,501
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,208/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,834
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,171
−HK$1,356/mo
Today · 4.125%
HK$52,527
baseline
▲ 0.50% · 4.625%
HK$55,295
+HK$2,768/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,054/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,594
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,385
−HK$1,820/mo
Today · 4.125%
HK$61,205
baseline
▲ 0.50% · 4.625%
HK$64,930
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,410/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,072
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,791
−HK$1,743/mo
Today · 4.125%
HK$67,534
baseline
▲ 0.50% · 4.625%
HK$71,094
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,068/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,200 · Scale 2, in force from 26 Feb 2026)