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$32,088
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$1,014/mo
Today · 4.125%
HK$34,100
baseline
▲ 0.50% · 4.625%
HK$36,175
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,200/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,697
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,655
−HK$971/mo
Today · 4.125%
HK$37,626
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$1,983/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,252/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,505
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,703
−HK$1,217/mo
Today · 4.125%
HK$40,920
baseline
▲ 0.50% · 4.625%
HK$43,410
+HK$2,490/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,840/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,837
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,986
−HK$1,165/mo
Today · 4.125%
HK$45,151
baseline
▲ 0.50% · 4.625%
HK$47,531
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,302/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,923
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,320
−HK$1,420/mo
Today · 4.125%
HK$47,740
baseline
▲ 0.50% · 4.625%
HK$50,645
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,480/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,976
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,317
−HK$1,359/mo
Today · 4.125%
HK$52,676
baseline
▲ 0.50% · 4.625%
HK$55,453
+HK$2,777/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,352/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,758
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,555
−HK$1,825/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$65,115
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,255
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,979
−HK$1,748/mo
Today · 4.125%
HK$67,727
baseline
▲ 0.50% · 4.625%
HK$71,297
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.66M · min. income ≈ HK$135,454/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,701 · Scale 2, in force from 26 Feb 2026)