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$32,206
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$1,018/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,308
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,829
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$975/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$39,755
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,221/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,569
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,170/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,088
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,425/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,831
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,160
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,505
−HK$1,365/mo
Today · 4.125%
HK$52,870
baseline
▲ 0.50% · 4.625%
HK$55,657
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,740/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,970
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,773
−HK$1,832/mo
Today · 4.125%
HK$61,605
baseline
▲ 0.50% · 4.625%
HK$65,354
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,210/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,491
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,221
−HK$1,755/mo
Today · 4.125%
HK$67,976
baseline
▲ 0.50% · 4.625%
HK$71,559
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,952/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,640 · Scale 2, in force from 26 Feb 2026)