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$32,090
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,088
−HK$1,014/mo
Today · 4.125%
HK$34,102
baseline
▲ 0.50% · 4.625%
HK$36,177
+HK$2,075/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,204/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,700
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,657
−HK$971/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,612
+HK$1,984/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,216/mo
Today · 4.125%
HK$40,922
baseline
▲ 0.50% · 4.625%
HK$43,413
+HK$2,491/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$81,844/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,839
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,166/mo
Today · 4.125%
HK$45,154
baseline
▲ 0.50% · 4.625%
HK$47,534
+HK$2,380/mo
Deposit HK$5.63M · loan HK$8.44M · min. income ≈ HK$90,308/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,926
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,323
−HK$1,420/mo
Today · 4.125%
HK$47,743
baseline
▲ 0.50% · 4.625%
HK$50,648
+HK$2,905/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$95,486/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,979
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,360/mo
Today · 4.125%
HK$52,680
baseline
▲ 0.50% · 4.625%
HK$55,456
+HK$2,776/mo
Deposit HK$4.22M · loan HK$9.85M · min. income ≈ HK$105,360/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,762
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,558
−HK$1,826/mo
Today · 4.125%
HK$61,384
baseline
▲ 0.50% · 4.625%
HK$65,119
+HK$3,735/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$122,768/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,259
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,983
−HK$1,748/mo
Today · 4.125%
HK$67,731
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$3,570/mo
Deposit HK$1.41M · loan HK$12.67M · min. income ≈ HK$135,462/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$527,733 · Scale 2, in force from 26 Feb 2026)