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$32,176
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,177
−HK$1,017/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$36,274
+HK$2,080/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$974/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,611
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,812
−HK$1,220/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,529
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,955
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,168/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,387/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,550/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,046
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,448
−HK$1,423/mo
Today · 4.125%
HK$47,871
baseline
▲ 0.50% · 4.625%
HK$50,784
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,742/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,114
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,458
−HK$1,363/mo
Today · 4.125%
HK$52,821
baseline
▲ 0.50% · 4.625%
HK$55,605
+HK$2,784/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,642/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,917
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,718
−HK$1,831/mo
Today · 4.125%
HK$61,549
baseline
▲ 0.50% · 4.625%
HK$65,294
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,098/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,432
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,160
−HK$1,753/mo
Today · 4.125%
HK$67,913
baseline
▲ 0.50% · 4.625%
HK$71,493
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,826/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,152 · Scale 2, in force from 26 Feb 2026)