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$2,021/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$1,019/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,324
+HK$2,083/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$975/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$39,773
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,222/mo
Today · 4.125%
HK$41,089
baseline
▲ 0.50% · 4.625%
HK$43,589
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,178/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,014
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,167
−HK$1,171/mo
Today · 4.125%
HK$45,338
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,676/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,108
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,511
−HK$1,426/mo
Today · 4.125%
HK$47,937
baseline
▲ 0.50% · 4.625%
HK$50,854
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,874/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,183
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,528
−HK$1,366/mo
Today · 4.125%
HK$52,894
baseline
▲ 0.50% · 4.625%
HK$55,682
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,788/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,996
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,800
−HK$1,833/mo
Today · 4.125%
HK$61,633
baseline
▲ 0.50% · 4.625%
HK$65,384
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,266/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,520
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,251
−HK$1,755/mo
Today · 4.125%
HK$68,006
baseline
▲ 0.50% · 4.625%
HK$71,591
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,012/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,879 · Scale 2, in force from 26 Feb 2026)