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$32,005
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$1,012/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$2,069/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,560
−HK$969/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,507
+HK$1,978/mo
Deposit HK$7.02M · loan HK$7.02M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,600
−HK$1,214/mo
Today · 4.125%
HK$40,814
baseline
▲ 0.50% · 4.625%
HK$43,298
+HK$2,484/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$81,628/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,726
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,872
−HK$1,162/mo
Today · 4.125%
HK$45,034
baseline
▲ 0.50% · 4.625%
HK$47,408
+HK$2,374/mo
Deposit HK$5.61M · loan HK$8.42M · min. income ≈ HK$90,068/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,807
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,201
−HK$1,416/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,514
+HK$2,897/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,847
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,184
−HK$1,356/mo
Today · 4.125%
HK$52,540
baseline
▲ 0.50% · 4.625%
HK$55,310
+HK$2,770/mo
Deposit HK$4.21M · loan HK$9.82M · min. income ≈ HK$105,080/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,609
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,401
−HK$1,820/mo
Today · 4.125%
HK$61,221
baseline
▲ 0.50% · 4.625%
HK$64,946
+HK$3,725/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$122,442/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,089
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,808
−HK$1,744/mo
Today · 4.125%
HK$67,552
baseline
▲ 0.50% · 4.625%
HK$71,112
+HK$3,560/mo
Deposit HK$1.40M · loan HK$12.63M · min. income ≈ HK$135,104/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$526,337 · Scale 2, in force from 26 Feb 2026)