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$32,201
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$1,018/mo
Today · 4.125%
HK$34,221
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,442/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,824
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$975/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,642
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,844
−HK$1,221/mo
Today · 4.125%
HK$41,065
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,130/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,988
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,170/mo
Today · 4.125%
HK$45,311
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,622/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,082
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,484
−HK$1,425/mo
Today · 4.125%
HK$47,909
baseline
▲ 0.50% · 4.625%
HK$50,824
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,818/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,153
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,498
−HK$1,365/mo
Today · 4.125%
HK$52,863
baseline
▲ 0.50% · 4.625%
HK$55,649
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,726/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,962
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,765
−HK$1,832/mo
Today · 4.125%
HK$61,597
baseline
▲ 0.50% · 4.625%
HK$65,345
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,194/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,483
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$1,754/mo
Today · 4.125%
HK$67,966
baseline
▲ 0.50% · 4.625%
HK$71,549
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,932/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,568 · Scale 2, in force from 26 Feb 2026)