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$32,196
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$1,018/mo
Today · 4.125%
HK$34,215
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,430/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$975/mo
Today · 4.125%
HK$37,753
baseline
▲ 0.50% · 4.625%
HK$39,743
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,506/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,635
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,221/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,556
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,981
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,134
−HK$1,169/mo
Today · 4.125%
HK$45,303
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,606/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,074
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,425/mo
Today · 4.125%
HK$47,901
baseline
▲ 0.50% · 4.625%
HK$50,816
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,802/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,145
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,490
−HK$1,364/mo
Today · 4.125%
HK$52,854
baseline
▲ 0.50% · 4.625%
HK$55,640
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,708/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,953
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,755
−HK$1,832/mo
Today · 4.125%
HK$61,587
baseline
▲ 0.50% · 4.625%
HK$65,334
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,174/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,472
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,201
−HK$1,754/mo
Today · 4.125%
HK$67,955
baseline
▲ 0.50% · 4.625%
HK$71,537
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,910/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,480 · Scale 2, in force from 26 Feb 2026)