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$32,201
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$1,018/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,823
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$974/mo
Today · 4.125%
HK$37,758
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,516/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,221/mo
Today · 4.125%
HK$41,064
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,128/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,988
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,169/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,081
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,483
−HK$1,425/mo
Today · 4.125%
HK$47,908
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,816/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,152
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,497
−HK$1,365/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$55,648
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,961
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,764
−HK$1,832/mo
Today · 4.125%
HK$61,596
baseline
▲ 0.50% · 4.625%
HK$65,344
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,192/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,481
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,211
−HK$1,754/mo
Today · 4.125%
HK$67,965
baseline
▲ 0.50% · 4.625%
HK$71,548
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,930/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,559 · Scale 2, in force from 26 Feb 2026)