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$32,198
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$1,017/mo
Today · 4.125%
HK$34,217
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,434/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,820
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$974/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,638
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,221/mo
Today · 4.125%
HK$41,061
baseline
▲ 0.50% · 4.625%
HK$43,559
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,122/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,984
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,137
−HK$1,170/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,078
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,480
−HK$1,424/mo
Today · 4.125%
HK$47,904
baseline
▲ 0.50% · 4.625%
HK$50,819
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,808/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,148
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,493
−HK$1,365/mo
Today · 4.125%
HK$52,858
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,716/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,957
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,831/mo
Today · 4.125%
HK$61,591
baseline
▲ 0.50% · 4.625%
HK$65,339
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,182/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,476
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,206
−HK$1,754/mo
Today · 4.125%
HK$67,960
baseline
▲ 0.50% · 4.625%
HK$71,542
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,920/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,517 · Scale 2, in force from 26 Feb 2026)