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$32,224
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$1,018/mo
Today · 4.125%
HK$34,244
baseline
▲ 0.50% · 4.625%
HK$36,328
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,488/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,848
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,810
−HK$975/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,668
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,222/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,594
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,018
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,172
−HK$1,170/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,113
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,516
−HK$1,426/mo
Today · 4.125%
HK$47,942
baseline
▲ 0.50% · 4.625%
HK$50,859
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,884/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,188
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,365/mo
Today · 4.125%
HK$52,899
baseline
▲ 0.50% · 4.625%
HK$55,688
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,798/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,003
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,807
−HK$1,833/mo
Today · 4.125%
HK$61,640
baseline
▲ 0.50% · 4.625%
HK$65,390
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,280/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,527
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,258
−HK$1,755/mo
Today · 4.125%
HK$68,013
baseline
▲ 0.50% · 4.625%
HK$71,598
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,026/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,934 · Scale 2, in force from 26 Feb 2026)