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$32,165
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$1,016/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,783
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$974/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$39,705
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,799
−HK$1,220/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,514
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,940
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,092
−HK$1,168/mo
Today · 4.125%
HK$45,260
baseline
▲ 0.50% · 4.625%
HK$47,646
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,520/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,031
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,432
−HK$1,423/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,767
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,097
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,440
−HK$1,363/mo
Today · 4.125%
HK$52,803
baseline
▲ 0.50% · 4.625%
HK$55,587
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,606/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,897
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,698
−HK$1,830/mo
Today · 4.125%
HK$61,528
baseline
▲ 0.50% · 4.625%
HK$65,272
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,056/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,410
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,138
−HK$1,752/mo
Today · 4.125%
HK$67,890
baseline
▲ 0.50% · 4.625%
HK$71,469
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,780/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,973 · Scale 2, in force from 26 Feb 2026)