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$32,169
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$1,017/mo
Today · 4.125%
HK$34,186
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,372/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$974/mo
Today · 4.125%
HK$37,721
baseline
▲ 0.50% · 4.625%
HK$39,709
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,442/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,602
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,803
−HK$1,220/mo
Today · 4.125%
HK$41,023
baseline
▲ 0.50% · 4.625%
HK$43,519
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,046/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,945
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,097
−HK$1,168/mo
Today · 4.125%
HK$45,265
baseline
▲ 0.50% · 4.625%
HK$47,651
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,530/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,036
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,437
−HK$1,423/mo
Today · 4.125%
HK$47,860
baseline
▲ 0.50% · 4.625%
HK$50,773
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,720/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,102
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,446
−HK$1,363/mo
Today · 4.125%
HK$52,809
baseline
▲ 0.50% · 4.625%
HK$55,593
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,618/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,904
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,705
−HK$1,830/mo
Today · 4.125%
HK$61,535
baseline
▲ 0.50% · 4.625%
HK$65,279
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,070/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,417
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,145
−HK$1,752/mo
Today · 4.125%
HK$67,897
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,794/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,031 · Scale 2, in force from 26 Feb 2026)