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$32,188
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,018/mo
Today · 4.125%
HK$34,207
baseline
▲ 0.50% · 4.625%
HK$36,288
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,414/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$975/mo
Today · 4.125%
HK$37,744
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,488/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,626
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,827
−HK$1,221/mo
Today · 4.125%
HK$41,048
baseline
▲ 0.50% · 4.625%
HK$43,546
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,096/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,971
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,123
−HK$1,169/mo
Today · 4.125%
HK$45,292
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,584/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,063
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,465
−HK$1,424/mo
Today · 4.125%
HK$47,889
baseline
▲ 0.50% · 4.625%
HK$50,803
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,778/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,477
−HK$1,364/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$55,626
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,939
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,741
−HK$1,831/mo
Today · 4.125%
HK$61,572
baseline
▲ 0.50% · 4.625%
HK$65,318
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,144/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,456
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,185
−HK$1,754/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$71,520
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,352 · Scale 2, in force from 26 Feb 2026)