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$32,224
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$1,018/mo
Today · 4.125%
HK$34,245
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,490/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,849
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,811
−HK$975/mo
Today · 4.125%
HK$37,786
baseline
▲ 0.50% · 4.625%
HK$39,778
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,572/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,669
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,222/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,595
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,019
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,173
−HK$1,170/mo
Today · 4.125%
HK$45,343
baseline
▲ 0.50% · 4.625%
HK$47,733
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,686/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,114
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,426/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,189
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,366/mo
Today · 4.125%
HK$52,901
baseline
▲ 0.50% · 4.625%
HK$55,689
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,802/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,004
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,808
−HK$1,833/mo
Today · 4.125%
HK$61,641
baseline
▲ 0.50% · 4.625%
HK$65,392
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,282/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,529
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,259
−HK$1,756/mo
Today · 4.125%
HK$68,015
baseline
▲ 0.50% · 4.625%
HK$71,600
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,030/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,946 · Scale 2, in force from 26 Feb 2026)