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$32,222
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,225
−HK$1,018/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,327
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,847
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,809
−HK$975/mo
Today · 4.125%
HK$37,784
baseline
▲ 0.50% · 4.625%
HK$39,776
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,568/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,667
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,870
−HK$1,222/mo
Today · 4.125%
HK$41,092
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,184/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,171/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,111
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,515
−HK$1,425/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,857
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,186
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,532
−HK$1,365/mo
Today · 4.125%
HK$52,897
baseline
▲ 0.50% · 4.625%
HK$55,686
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,794/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,000
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,805
−HK$1,833/mo
Today · 4.125%
HK$61,638
baseline
▲ 0.50% · 4.625%
HK$65,388
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,276/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,525
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,255
−HK$1,756/mo
Today · 4.125%
HK$68,011
baseline
▲ 0.50% · 4.625%
HK$71,596
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,022/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,916 · Scale 2, in force from 26 Feb 2026)