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$32,048
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$1,012/mo
Today · 4.125%
HK$34,057
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$2,073/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$68,114/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,609
−HK$970/mo
Today · 4.125%
HK$37,579
baseline
▲ 0.50% · 4.625%
HK$39,560
+HK$1,981/mo
Deposit HK$7.03M · loan HK$7.03M · min. income ≈ HK$75,158/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,457
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,215/mo
Today · 4.125%
HK$40,869
baseline
▲ 0.50% · 4.625%
HK$43,356
+HK$2,487/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$81,738/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,931
−HK$1,164/mo
Today · 4.125%
HK$45,095
baseline
▲ 0.50% · 4.625%
HK$47,472
+HK$2,377/mo
Deposit HK$5.62M · loan HK$8.43M · min. income ≈ HK$90,190/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,867
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,417/mo
Today · 4.125%
HK$47,680
baseline
▲ 0.50% · 4.625%
HK$50,582
+HK$2,902/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$95,360/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,914
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,253
−HK$1,358/mo
Today · 4.125%
HK$52,611
baseline
▲ 0.50% · 4.625%
HK$55,384
+HK$2,773/mo
Deposit HK$4.22M · loan HK$9.84M · min. income ≈ HK$105,222/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,686
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,480
−HK$1,823/mo
Today · 4.125%
HK$61,303
baseline
▲ 0.50% · 4.625%
HK$65,034
+HK$3,731/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$122,606/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,175
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,896
−HK$1,746/mo
Today · 4.125%
HK$67,642
baseline
▲ 0.50% · 4.625%
HK$71,208
+HK$3,566/mo
Deposit HK$1.41M · loan HK$12.65M · min. income ≈ HK$135,284/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$527,043 · Scale 2, in force from 26 Feb 2026)