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$32,164
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$1,017/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$36,261
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,782
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$973/mo
Today · 4.125%
HK$37,715
baseline
▲ 0.50% · 4.625%
HK$39,703
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,430/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,597
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,797
−HK$1,220/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,513
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,938
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,168/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$47,644
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,029
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,430
−HK$1,423/mo
Today · 4.125%
HK$47,853
baseline
▲ 0.50% · 4.625%
HK$50,765
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,706/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,095
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,438
−HK$1,363/mo
Today · 4.125%
HK$52,801
baseline
▲ 0.50% · 4.625%
HK$55,584
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,602/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,895
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,696
−HK$1,829/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$65,269
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,407
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$1,752/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$71,465
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,950 · Scale 2, in force from 26 Feb 2026)