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$32,211
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,213
−HK$1,018/mo
Today · 4.125%
HK$34,231
baseline
▲ 0.50% · 4.625%
HK$36,314
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,462/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,835
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,796
−HK$975/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$39,762
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,222/mo
Today · 4.125%
HK$41,078
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,156/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,170/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$47,714
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,425/mo
Today · 4.125%
HK$47,924
baseline
▲ 0.50% · 4.625%
HK$50,840
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,848/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,169
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,514
−HK$1,365/mo
Today · 4.125%
HK$52,879
baseline
▲ 0.50% · 4.625%
HK$55,666
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,758/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,980
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,784
−HK$1,832/mo
Today · 4.125%
HK$61,616
baseline
▲ 0.50% · 4.625%
HK$65,365
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,232/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,503
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$1,754/mo
Today · 4.125%
HK$67,987
baseline
▲ 0.50% · 4.625%
HK$71,571
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,974/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,732 · Scale 2, in force from 26 Feb 2026)