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$2,020/mo
▼ 0.25% · 3.875%
HK$33,208
−HK$1,018/mo
Today · 4.125%
HK$34,226
baseline
▲ 0.50% · 4.625%
HK$36,308
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,452/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,829
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,790
−HK$975/mo
Today · 4.125%
HK$37,765
baseline
▲ 0.50% · 4.625%
HK$39,755
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,530/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,850
−HK$1,221/mo
Today · 4.125%
HK$41,071
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,142/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,995
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,148
−HK$1,170/mo
Today · 4.125%
HK$45,318
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,636/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,491
−HK$1,425/mo
Today · 4.125%
HK$47,916
baseline
▲ 0.50% · 4.625%
HK$50,832
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,832/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,161
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,506
−HK$1,365/mo
Today · 4.125%
HK$52,871
baseline
▲ 0.50% · 4.625%
HK$55,658
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,742/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,971
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,774
−HK$1,832/mo
Today · 4.125%
HK$61,606
baseline
▲ 0.50% · 4.625%
HK$65,355
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,212/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,492
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,222
−HK$1,755/mo
Today · 4.125%
HK$67,977
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,954/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,648 · Scale 2, in force from 26 Feb 2026)