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$32,188
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,017/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,287
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,808
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$974/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$39,732
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,625
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,827
−HK$1,220/mo
Today · 4.125%
HK$41,047
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,094/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,970
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,122
−HK$1,170/mo
Today · 4.125%
HK$45,292
baseline
▲ 0.50% · 4.625%
HK$47,679
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,584/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,063
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,464
−HK$1,424/mo
Today · 4.125%
HK$47,888
baseline
▲ 0.50% · 4.625%
HK$50,802
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,776/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,132
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,476
−HK$1,364/mo
Today · 4.125%
HK$52,840
baseline
▲ 0.50% · 4.625%
HK$55,625
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,680/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,938
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,740
−HK$1,831/mo
Today · 4.125%
HK$61,571
baseline
▲ 0.50% · 4.625%
HK$65,317
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,142/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,455
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,184
−HK$1,753/mo
Today · 4.125%
HK$67,937
baseline
▲ 0.50% · 4.625%
HK$71,518
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,874/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,342 · Scale 2, in force from 26 Feb 2026)