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$32,155
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$1,016/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$36,251
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$973/mo
Today · 4.125%
HK$37,705
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,410/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,586
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,787
−HK$1,219/mo
Today · 4.125%
HK$41,006
baseline
▲ 0.50% · 4.625%
HK$43,501
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,012/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,927
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,078
−HK$1,168/mo
Today · 4.125%
HK$45,246
baseline
▲ 0.50% · 4.625%
HK$47,631
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,492/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,018
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,423/mo
Today · 4.125%
HK$47,841
baseline
▲ 0.50% · 4.625%
HK$50,752
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,682/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,082
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,362/mo
Today · 4.125%
HK$52,787
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,574/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,880
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,680
−HK$1,829/mo
Today · 4.125%
HK$61,509
baseline
▲ 0.50% · 4.625%
HK$65,252
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,018/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,391
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,118
−HK$1,751/mo
Today · 4.125%
HK$67,869
baseline
▲ 0.50% · 4.625%
HK$71,447
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,738/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,813 · Scale 2, in force from 26 Feb 2026)