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$32,226
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$1,019/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$2,083/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,851
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$976/mo
Today · 4.125%
HK$37,788
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,576/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,671
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,874
−HK$1,222/mo
Today · 4.125%
HK$41,096
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,192/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,021
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,175
−HK$1,170/mo
Today · 4.125%
HK$45,345
baseline
▲ 0.50% · 4.625%
HK$47,735
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,690/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,116
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,519
−HK$1,426/mo
Today · 4.125%
HK$47,945
baseline
▲ 0.50% · 4.625%
HK$50,863
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,890/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,191
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,366/mo
Today · 4.125%
HK$52,903
baseline
▲ 0.50% · 4.625%
HK$55,691
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,806/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,006
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,811
−HK$1,833/mo
Today · 4.125%
HK$61,644
baseline
▲ 0.50% · 4.625%
HK$65,395
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,288/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,531
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,262
−HK$1,756/mo
Today · 4.125%
HK$68,018
baseline
▲ 0.50% · 4.625%
HK$71,603
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,036/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,969 · Scale 2, in force from 26 Feb 2026)