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$32,205
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$1,018/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,827
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,788
−HK$975/mo
Today · 4.125%
HK$37,763
baseline
▲ 0.50% · 4.625%
HK$39,753
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,526/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,221/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,993
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,146
−HK$1,169/mo
Today · 4.125%
HK$45,315
baseline
▲ 0.50% · 4.625%
HK$47,704
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,630/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,489
−HK$1,425/mo
Today · 4.125%
HK$47,914
baseline
▲ 0.50% · 4.625%
HK$50,829
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,828/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,158
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,503
−HK$1,365/mo
Today · 4.125%
HK$52,868
baseline
▲ 0.50% · 4.625%
HK$55,655
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,736/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,968
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,771
−HK$1,832/mo
Today · 4.125%
HK$61,603
baseline
▲ 0.50% · 4.625%
HK$65,352
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,206/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,489
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,219
−HK$1,754/mo
Today · 4.125%
HK$67,973
baseline
▲ 0.50% · 4.625%
HK$71,556
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,946/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,620 · Scale 2, in force from 26 Feb 2026)