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$32,184
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$1,017/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,283
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,764
−HK$975/mo
Today · 4.125%
HK$37,739
baseline
▲ 0.50% · 4.625%
HK$39,728
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,478/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,220/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,540
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,965
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,169/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,057
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,424/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,796
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,126
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,364/mo
Today · 4.125%
HK$52,834
baseline
▲ 0.50% · 4.625%
HK$55,619
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,668/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,931
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,733
−HK$1,831/mo
Today · 4.125%
HK$61,564
baseline
▲ 0.50% · 4.625%
HK$65,310
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,128/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,448
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,176
−HK$1,753/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,280 · Scale 2, in force from 26 Feb 2026)