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$32,144
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$1,016/mo
Today · 4.125%
HK$34,160
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,320/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,760
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$973/mo
Today · 4.125%
HK$37,692
baseline
▲ 0.50% · 4.625%
HK$39,679
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,384/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,573
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,773
−HK$1,219/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,486
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,912
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,063
−HK$1,167/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,614
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,002
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,401
−HK$1,422/mo
Today · 4.125%
HK$47,823
baseline
▲ 0.50% · 4.625%
HK$50,733
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,646/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,064
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,406
−HK$1,363/mo
Today · 4.125%
HK$52,769
baseline
▲ 0.50% · 4.625%
HK$55,550
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,538/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,859
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,659
−HK$1,828/mo
Today · 4.125%
HK$61,487
baseline
▲ 0.50% · 4.625%
HK$65,229
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,974/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,368
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,094
−HK$1,751/mo
Today · 4.125%
HK$67,845
baseline
▲ 0.50% · 4.625%
HK$71,421
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,690/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,624 · Scale 2, in force from 26 Feb 2026)