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$32,209
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$1,018/mo
Today · 4.125%
HK$34,229
baseline
▲ 0.50% · 4.625%
HK$36,312
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,458/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,832
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$975/mo
Today · 4.125%
HK$37,768
baseline
▲ 0.50% · 4.625%
HK$39,759
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,536/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,651
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,853
−HK$1,222/mo
Today · 4.125%
HK$41,075
baseline
▲ 0.50% · 4.625%
HK$43,574
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,150/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,999
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,152
−HK$1,170/mo
Today · 4.125%
HK$45,322
baseline
▲ 0.50% · 4.625%
HK$47,711
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,644/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,425/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,836
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,365/mo
Today · 4.125%
HK$52,876
baseline
▲ 0.50% · 4.625%
HK$55,663
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,752/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,976
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,832/mo
Today · 4.125%
HK$61,612
baseline
▲ 0.50% · 4.625%
HK$65,361
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,224/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,498
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$1,755/mo
Today · 4.125%
HK$67,983
baseline
▲ 0.50% · 4.625%
HK$71,566
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,966/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,696 · Scale 2, in force from 26 Feb 2026)