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$32,141
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$1,016/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,757
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,716
−HK$973/mo
Today · 4.125%
HK$37,689
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,378/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,569
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,219/mo
Today · 4.125%
HK$40,988
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,976/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,908
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,059
−HK$1,167/mo
Today · 4.125%
HK$45,226
baseline
▲ 0.50% · 4.625%
HK$47,610
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,452/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,998
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,423/mo
Today · 4.125%
HK$47,820
baseline
▲ 0.50% · 4.625%
HK$50,729
+HK$2,909/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,640/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,060
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,402
−HK$1,362/mo
Today · 4.125%
HK$52,764
baseline
▲ 0.50% · 4.625%
HK$55,545
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,528/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,854
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,654
−HK$1,828/mo
Today · 4.125%
HK$61,482
baseline
▲ 0.50% · 4.625%
HK$65,223
+HK$3,741/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,964/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,362
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,088
−HK$1,752/mo
Today · 4.125%
HK$67,840
baseline
▲ 0.50% · 4.625%
HK$71,415
+HK$3,575/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,680/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,580 · Scale 2, in force from 26 Feb 2026)