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$529,374 · 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$529,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,627
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,221/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,497/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$529,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,169/mo
Today · 4.125%
HK$45,294
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,588/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,065
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,424/mo
Today · 4.125%
HK$47,891
baseline
▲ 0.50% · 4.625%
HK$50,805
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,782/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,135
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,479
−HK$1,364/mo
Today · 4.125%
HK$52,843
baseline
▲ 0.50% · 4.625%
HK$55,629
+HK$2,786/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,686/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,941
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,832/mo
Today · 4.125%
HK$61,575
baseline
▲ 0.50% · 4.625%
HK$65,321
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,150/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,459
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,188
−HK$1,753/mo
Today · 4.125%
HK$67,941
baseline
▲ 0.50% · 4.625%
HK$71,523
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,882/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,374 · Scale 2, in force from 26 Feb 2026)