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$2,019/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$1,017/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$975/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,630
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,221/mo
Today · 4.125%
HK$41,052
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,104/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,975
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,169/mo
Today · 4.125%
HK$45,297
baseline
▲ 0.50% · 4.625%
HK$47,685
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,594/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,068
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,424/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,808
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,138
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,365/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$55,632
+HK$2,785/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,945
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,747
−HK$1,831/mo
Today · 4.125%
HK$61,578
baseline
▲ 0.50% · 4.625%
HK$65,325
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,156/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,463
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,192
−HK$1,754/mo
Today · 4.125%
HK$67,946
baseline
▲ 0.50% · 4.625%
HK$71,527
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,892/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,406 · Scale 2, in force from 26 Feb 2026)