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$32,181
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$1,017/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,280
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$974/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$39,724
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,617
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,818
−HK$1,221/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,497/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,961
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,113
−HK$1,169/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$47,669
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,053
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,455
−HK$1,424/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,792
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,121
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,466
−HK$1,363/mo
Today · 4.125%
HK$52,829
baseline
▲ 0.50% · 4.625%
HK$55,614
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,658/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,926
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,728
−HK$1,830/mo
Today · 4.125%
HK$61,558
baseline
▲ 0.50% · 4.625%
HK$65,304
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,116/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,442
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,170
−HK$1,753/mo
Today · 4.125%
HK$67,923
baseline
▲ 0.50% · 4.625%
HK$71,504
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,846/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,234 · Scale 2, in force from 26 Feb 2026)