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$32,180
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,181
−HK$1,017/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,279
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,800
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$974/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$39,723
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,616
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,220/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,534
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,960
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,112
−HK$1,169/mo
Today · 4.125%
HK$45,281
baseline
▲ 0.50% · 4.625%
HK$47,667
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,562/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,052
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,424/mo
Today · 4.125%
HK$47,877
baseline
▲ 0.50% · 4.625%
HK$50,790
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,754/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,120
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,464
−HK$1,363/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$55,612
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,924
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,725
−HK$1,831/mo
Today · 4.125%
HK$61,556
baseline
▲ 0.50% · 4.625%
HK$65,302
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,112/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,440
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,168
−HK$1,753/mo
Today · 4.125%
HK$67,921
baseline
▲ 0.50% · 4.625%
HK$71,501
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,842/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,214 · Scale 2, in force from 26 Feb 2026)