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$32,161
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$1,016/mo
Today · 4.125%
HK$34,178
baseline
▲ 0.50% · 4.625%
HK$36,258
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,356/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,779
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$973/mo
Today · 4.125%
HK$37,712
baseline
▲ 0.50% · 4.625%
HK$39,700
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,424/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,594
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,220/mo
Today · 4.125%
HK$41,014
baseline
▲ 0.50% · 4.625%
HK$43,509
+HK$2,495/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,028/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,935
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,087
−HK$1,168/mo
Today · 4.125%
HK$45,255
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,510/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,026
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,427
−HK$1,423/mo
Today · 4.125%
HK$47,850
baseline
▲ 0.50% · 4.625%
HK$50,761
+HK$2,911/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,700/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,091
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,434
−HK$1,363/mo
Today · 4.125%
HK$52,797
baseline
▲ 0.50% · 4.625%
HK$55,580
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,594/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,891
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,691
−HK$1,830/mo
Today · 4.125%
HK$61,521
baseline
▲ 0.50% · 4.625%
HK$65,264
+HK$3,743/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,042/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,403
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,130
−HK$1,752/mo
Today · 4.125%
HK$67,882
baseline
▲ 0.50% · 4.625%
HK$71,460
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,764/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,912 · Scale 2, in force from 26 Feb 2026)