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$32,185
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,186
−HK$1,017/mo
Today · 4.125%
HK$34,203
baseline
▲ 0.50% · 4.625%
HK$36,284
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,406/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,766
−HK$974/mo
Today · 4.125%
HK$37,740
baseline
▲ 0.50% · 4.625%
HK$39,729
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,480/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,622
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,823
−HK$1,221/mo
Today · 4.125%
HK$41,044
baseline
▲ 0.50% · 4.625%
HK$43,541
+HK$2,497/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,088/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,966
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,119
−HK$1,169/mo
Today · 4.125%
HK$45,288
baseline
▲ 0.50% · 4.625%
HK$47,675
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,576/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,059
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,424/mo
Today · 4.125%
HK$47,884
baseline
▲ 0.50% · 4.625%
HK$50,798
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,768/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,127
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,364/mo
Today · 4.125%
HK$52,836
baseline
▲ 0.50% · 4.625%
HK$55,621
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,672/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,933
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,735
−HK$1,831/mo
Today · 4.125%
HK$61,566
baseline
▲ 0.50% · 4.625%
HK$65,312
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,132/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,450
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,178
−HK$1,754/mo
Today · 4.125%
HK$67,932
baseline
▲ 0.50% · 4.625%
HK$71,512
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,864/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,297 · Scale 2, in force from 26 Feb 2026)