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$32,158
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$1,017/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,776
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,735
−HK$974/mo
Today · 4.125%
HK$37,709
baseline
▲ 0.50% · 4.625%
HK$39,696
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,418/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,590
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,790
−HK$1,220/mo
Today · 4.125%
HK$41,010
baseline
▲ 0.50% · 4.625%
HK$43,505
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,020/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,931
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,082
−HK$1,168/mo
Today · 4.125%
HK$45,250
baseline
▲ 0.50% · 4.625%
HK$47,635
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,500/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,021
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,422
−HK$1,423/mo
Today · 4.125%
HK$47,845
baseline
▲ 0.50% · 4.625%
HK$50,756
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,690/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,086
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,429
−HK$1,363/mo
Today · 4.125%
HK$52,792
baseline
▲ 0.50% · 4.625%
HK$55,575
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,584/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,885
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,685
−HK$1,830/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$65,258
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,396
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,123
−HK$1,752/mo
Today · 4.125%
HK$67,875
baseline
▲ 0.50% · 4.625%
HK$71,453
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,750/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,859 · Scale 2, in force from 26 Feb 2026)