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$32,184
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$1,017/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,284
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,765
−HK$974/mo
Today · 4.125%
HK$37,739
baseline
▲ 0.50% · 4.625%
HK$39,728
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,478/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,221/mo
Today · 4.125%
HK$41,043
baseline
▲ 0.50% · 4.625%
HK$43,540
+HK$2,497/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,086/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,966
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,169/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$47,674
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,424/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,797
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,127
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,471
−HK$1,364/mo
Today · 4.125%
HK$52,835
baseline
▲ 0.50% · 4.625%
HK$55,620
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,670/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,932
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,830/mo
Today · 4.125%
HK$61,564
baseline
▲ 0.50% · 4.625%
HK$65,311
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,128/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,448
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,177
−HK$1,753/mo
Today · 4.125%
HK$67,930
baseline
▲ 0.50% · 4.625%
HK$71,511
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,860/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,287 · Scale 2, in force from 26 Feb 2026)