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$32,220
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$1,018/mo
Today · 4.125%
HK$34,240
baseline
▲ 0.50% · 4.625%
HK$36,324
+HK$2,084/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,480/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$975/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,866
−HK$1,222/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,588
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,167
−HK$1,170/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,108
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,511
−HK$1,425/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,182
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,528
−HK$1,365/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$55,681
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,996
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,800
−HK$1,832/mo
Today · 4.125%
HK$61,632
baseline
▲ 0.50% · 4.625%
HK$65,383
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,264/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,520
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,250
−HK$1,755/mo
Today · 4.125%
HK$68,005
baseline
▲ 0.50% · 4.625%
HK$71,590
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,010/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,872 · Scale 2, in force from 26 Feb 2026)