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$32,191
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$1,017/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$975/mo
Today · 4.125%
HK$37,747
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,494/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,629
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,220/mo
Today · 4.125%
HK$41,051
baseline
▲ 0.50% · 4.625%
HK$43,549
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,102/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,974
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,127
−HK$1,169/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$47,684
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,424/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,481
−HK$1,364/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$55,631
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,943
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,746
−HK$1,831/mo
Today · 4.125%
HK$61,577
baseline
▲ 0.50% · 4.625%
HK$65,324
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,154/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,461
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,190
−HK$1,754/mo
Today · 4.125%
HK$67,944
baseline
▲ 0.50% · 4.625%
HK$71,526
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,888/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,395 · Scale 2, in force from 26 Feb 2026)