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$32,083
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,081
−HK$1,014/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$36,170
+HK$2,075/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,649
−HK$972/mo
Today · 4.125%
HK$37,621
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,242/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,697
−HK$1,217/mo
Today · 4.125%
HK$40,914
baseline
▲ 0.50% · 4.625%
HK$43,404
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,828/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,831
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,166/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,290/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,916
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,314
−HK$1,419/mo
Today · 4.125%
HK$47,733
baseline
▲ 0.50% · 4.625%
HK$50,638
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,466/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,969
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,309
−HK$1,360/mo
Today · 4.125%
HK$52,669
baseline
▲ 0.50% · 4.625%
HK$55,445
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,338/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,750
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,546
−HK$1,825/mo
Today · 4.125%
HK$61,371
baseline
▲ 0.50% · 4.625%
HK$65,105
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,742/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,246
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,969
−HK$1,748/mo
Today · 4.125%
HK$67,717
baseline
▲ 0.50% · 4.625%
HK$71,286
+HK$3,569/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,434/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,625 · Scale 2, in force from 26 Feb 2026)