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$32,199
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$1,018/mo
Today · 4.125%
HK$34,218
baseline
▲ 0.50% · 4.625%
HK$36,300
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,436/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,821
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$975/mo
Today · 4.125%
HK$37,756
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,512/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,638
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,221/mo
Today · 4.125%
HK$41,061
baseline
▲ 0.50% · 4.625%
HK$43,560
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,122/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,985
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,138
−HK$1,169/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,078
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,480
−HK$1,425/mo
Today · 4.125%
HK$47,905
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,810/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,149
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,494
−HK$1,364/mo
Today · 4.125%
HK$52,858
baseline
▲ 0.50% · 4.625%
HK$55,645
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,716/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,958
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,832/mo
Today · 4.125%
HK$61,592
baseline
▲ 0.50% · 4.625%
HK$65,340
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,184/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,477
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,206
−HK$1,755/mo
Today · 4.125%
HK$67,961
baseline
▲ 0.50% · 4.625%
HK$71,543
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,922/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,524 · Scale 2, in force from 26 Feb 2026)