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$32,179
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$1,016/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$36,277
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,798
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,758
−HK$974/mo
Today · 4.125%
HK$37,732
baseline
▲ 0.50% · 4.625%
HK$39,721
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,464/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,614
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,221/mo
Today · 4.125%
HK$41,036
baseline
▲ 0.50% · 4.625%
HK$43,533
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,072/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,958
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,110
−HK$1,169/mo
Today · 4.125%
HK$45,279
baseline
▲ 0.50% · 4.625%
HK$47,666
+HK$2,387/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,558/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,050
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,451
−HK$1,424/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,118
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,462
−HK$1,363/mo
Today · 4.125%
HK$52,825
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,650/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,921
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,723
−HK$1,831/mo
Today · 4.125%
HK$61,554
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,108/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,437
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,165
−HK$1,753/mo
Today · 4.125%
HK$67,918
baseline
▲ 0.50% · 4.625%
HK$71,498
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,836/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,194 · Scale 2, in force from 26 Feb 2026)