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$32,174
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$1,017/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,794
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$974/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$1,988/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,609
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,810
−HK$1,220/mo
Today · 4.125%
HK$41,030
baseline
▲ 0.50% · 4.625%
HK$43,527
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,060/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,952
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,104
−HK$1,169/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$47,659
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,044
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,445
−HK$1,424/mo
Today · 4.125%
HK$47,869
baseline
▲ 0.50% · 4.625%
HK$50,782
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,738/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,111
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,455
−HK$1,364/mo
Today · 4.125%
HK$52,819
baseline
▲ 0.50% · 4.625%
HK$55,603
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,638/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,914
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,831/mo
Today · 4.125%
HK$61,546
baseline
▲ 0.50% · 4.625%
HK$65,291
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,092/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,429
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,157
−HK$1,753/mo
Today · 4.125%
HK$67,910
baseline
▲ 0.50% · 4.625%
HK$71,489
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,820/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,126 · Scale 2, in force from 26 Feb 2026)