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$32,190
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$1,018/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$975/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$39,735
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,830
−HK$1,220/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,548
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,126
−HK$1,169/mo
Today · 4.125%
HK$45,295
baseline
▲ 0.50% · 4.625%
HK$47,683
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,590/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,468
−HK$1,424/mo
Today · 4.125%
HK$47,892
baseline
▲ 0.50% · 4.625%
HK$50,806
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,784/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,135
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,480
−HK$1,364/mo
Today · 4.125%
HK$52,844
baseline
▲ 0.50% · 4.625%
HK$55,630
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,688/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,942
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,744
−HK$1,831/mo
Today · 4.125%
HK$61,575
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,150/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,460
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,189
−HK$1,753/mo
Today · 4.125%
HK$67,942
baseline
▲ 0.50% · 4.625%
HK$71,524
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,884/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,381 · Scale 2, in force from 26 Feb 2026)