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$32,221
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$1,018/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,325
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$976/mo
Today · 4.125%
HK$37,782
baseline
▲ 0.50% · 4.625%
HK$39,773
+HK$1,991/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,564/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,665
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,222/mo
Today · 4.125%
HK$41,089
baseline
▲ 0.50% · 4.625%
HK$43,590
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,178/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,014
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,168
−HK$1,170/mo
Today · 4.125%
HK$45,338
baseline
▲ 0.50% · 4.625%
HK$47,728
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,676/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,512
−HK$1,426/mo
Today · 4.125%
HK$47,938
baseline
▲ 0.50% · 4.625%
HK$50,854
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,876/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,183
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,529
−HK$1,365/mo
Today · 4.125%
HK$52,894
baseline
▲ 0.50% · 4.625%
HK$55,683
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,788/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,997
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,833/mo
Today · 4.125%
HK$61,634
baseline
▲ 0.50% · 4.625%
HK$65,384
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,268/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,521
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,252
−HK$1,755/mo
Today · 4.125%
HK$68,007
baseline
▲ 0.50% · 4.625%
HK$71,592
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,014/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,885 · Scale 2, in force from 26 Feb 2026)