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$32,189
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,190
−HK$1,017/mo
Today · 4.125%
HK$34,207
baseline
▲ 0.50% · 4.625%
HK$36,289
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,414/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,770
−HK$974/mo
Today · 4.125%
HK$37,744
baseline
▲ 0.50% · 4.625%
HK$39,734
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,488/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,626
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,828
−HK$1,221/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,546
+HK$2,497/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,971
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,124
−HK$1,169/mo
Today · 4.125%
HK$45,293
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,586/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,064
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,466
−HK$1,424/mo
Today · 4.125%
HK$47,890
baseline
▲ 0.50% · 4.625%
HK$50,804
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,780/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,478
−HK$1,364/mo
Today · 4.125%
HK$52,842
baseline
▲ 0.50% · 4.625%
HK$55,627
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,684/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,939
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,742
−HK$1,831/mo
Today · 4.125%
HK$61,573
baseline
▲ 0.50% · 4.625%
HK$65,319
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,146/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,457
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$1,753/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$71,521
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,358 · Scale 2, in force from 26 Feb 2026)