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$32,227
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,230
−HK$1,018/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,332
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,853
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$976/mo
Today · 4.125%
HK$37,790
baseline
▲ 0.50% · 4.625%
HK$39,782
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,580/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,673
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,876
−HK$1,222/mo
Today · 4.125%
HK$41,098
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,196/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,023
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,171/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,118
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,522
−HK$1,426/mo
Today · 4.125%
HK$47,948
baseline
▲ 0.50% · 4.625%
HK$50,865
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,896/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,194
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,540
−HK$1,366/mo
Today · 4.125%
HK$52,906
baseline
▲ 0.50% · 4.625%
HK$55,694
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,812/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,009
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,814
−HK$1,833/mo
Today · 4.125%
HK$61,647
baseline
▲ 0.50% · 4.625%
HK$65,398
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,294/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,535
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,266
−HK$1,755/mo
Today · 4.125%
HK$68,021
baseline
▲ 0.50% · 4.625%
HK$71,607
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,042/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,997 · Scale 2, in force from 26 Feb 2026)