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$32,151
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$1,016/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$36,247
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,768
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$974/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,688
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,582
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,782
−HK$1,219/mo
Today · 4.125%
HK$41,001
baseline
▲ 0.50% · 4.625%
HK$43,496
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,002/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,922
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,168/mo
Today · 4.125%
HK$45,241
baseline
▲ 0.50% · 4.625%
HK$47,625
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,482/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,012
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,412
−HK$1,423/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,745
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,075
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,418
−HK$1,363/mo
Today · 4.125%
HK$52,781
baseline
▲ 0.50% · 4.625%
HK$55,563
+HK$2,782/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,562/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,873
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,673
−HK$1,829/mo
Today · 4.125%
HK$61,502
baseline
▲ 0.50% · 4.625%
HK$65,244
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,004/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,383
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,109
−HK$1,752/mo
Today · 4.125%
HK$67,861
baseline
▲ 0.50% · 4.625%
HK$71,438
+HK$3,577/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,722/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,748 · Scale 2, in force from 26 Feb 2026)