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$32,200
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,201
−HK$1,018/mo
Today · 4.125%
HK$34,219
baseline
▲ 0.50% · 4.625%
HK$36,301
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,438/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$975/mo
Today · 4.125%
HK$37,757
baseline
▲ 0.50% · 4.625%
HK$39,747
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,514/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,640
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,841
−HK$1,222/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,986
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,170/mo
Today · 4.125%
HK$45,309
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,618/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,079
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,424/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,150
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,365/mo
Today · 4.125%
HK$52,860
baseline
▲ 0.50% · 4.625%
HK$55,646
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,720/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,959
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,762
−HK$1,832/mo
Today · 4.125%
HK$61,594
baseline
▲ 0.50% · 4.625%
HK$65,342
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,188/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,479
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,208
−HK$1,755/mo
Today · 4.125%
HK$67,963
baseline
▲ 0.50% · 4.625%
HK$71,545
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,926/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,540 · Scale 2, in force from 26 Feb 2026)