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$32,190
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$1,017/mo
Today · 4.125%
HK$34,208
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,416/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$974/mo
Today · 4.125%
HK$37,745
baseline
▲ 0.50% · 4.625%
HK$39,735
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,490/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,221/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,548
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,170/mo
Today · 4.125%
HK$45,295
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,590/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,425/mo
Today · 4.125%
HK$47,892
baseline
▲ 0.50% · 4.625%
HK$50,806
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,784/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,135
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,480
−HK$1,364/mo
Today · 4.125%
HK$52,844
baseline
▲ 0.50% · 4.625%
HK$55,629
+HK$2,785/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,688/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,941
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,744
−HK$1,831/mo
Today · 4.125%
HK$61,575
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,150/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,459
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,188
−HK$1,754/mo
Today · 4.125%
HK$67,942
baseline
▲ 0.50% · 4.625%
HK$71,523
+HK$3,581/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,884/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,376 · Scale 2, in force from 26 Feb 2026)