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$32,080
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$1,014/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$2,075/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,688
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,645
−HK$971/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,599
+HK$1,983/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,693
−HK$1,216/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,399
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,826
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,974
−HK$1,166/mo
Today · 4.125%
HK$45,140
baseline
▲ 0.50% · 4.625%
HK$47,519
+HK$2,379/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,280/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,911
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,308
−HK$1,420/mo
Today · 4.125%
HK$47,728
baseline
▲ 0.50% · 4.625%
HK$50,632
+HK$2,904/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,456/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,963
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,303
−HK$1,360/mo
Today · 4.125%
HK$52,663
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,326/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,743
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,539
−HK$1,825/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,734/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,239
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,962
−HK$1,747/mo
Today · 4.125%
HK$67,709
baseline
▲ 0.50% · 4.625%
HK$71,278
+HK$3,569/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,418/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,566 · Scale 2, in force from 26 Feb 2026)