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$32,168
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$1,016/mo
Today · 4.125%
HK$34,185
baseline
▲ 0.50% · 4.625%
HK$36,265
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,370/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,746
−HK$974/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$39,708
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,602
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,802
−HK$1,220/mo
Today · 4.125%
HK$41,022
baseline
▲ 0.50% · 4.625%
HK$43,518
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,044/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,944
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,096
−HK$1,168/mo
Today · 4.125%
HK$45,264
baseline
▲ 0.50% · 4.625%
HK$47,650
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,528/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,035
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,436
−HK$1,423/mo
Today · 4.125%
HK$47,859
baseline
▲ 0.50% · 4.625%
HK$50,771
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,718/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,101
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,445
−HK$1,363/mo
Today · 4.125%
HK$52,808
baseline
▲ 0.50% · 4.625%
HK$55,592
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,616/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,902
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,703
−HK$1,830/mo
Today · 4.125%
HK$61,533
baseline
▲ 0.50% · 4.625%
HK$65,277
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,066/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,416
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,143
−HK$1,753/mo
Today · 4.125%
HK$67,896
baseline
▲ 0.50% · 4.625%
HK$71,475
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,792/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,019 · Scale 2, in force from 26 Feb 2026)