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$32,197
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$1,018/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,779
−HK$975/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,221/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,135
−HK$1,170/mo
Today · 4.125%
HK$45,305
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,610/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,076
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,478
−HK$1,424/mo
Today · 4.125%
HK$47,902
baseline
▲ 0.50% · 4.625%
HK$50,817
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,804/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,146
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,491
−HK$1,364/mo
Today · 4.125%
HK$52,855
baseline
▲ 0.50% · 4.625%
HK$55,642
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,710/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,954
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,757
−HK$1,832/mo
Today · 4.125%
HK$61,589
baseline
▲ 0.50% · 4.625%
HK$65,336
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,178/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,474
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,203
−HK$1,754/mo
Today · 4.125%
HK$67,957
baseline
▲ 0.50% · 4.625%
HK$71,539
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,914/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,495 · Scale 2, in force from 26 Feb 2026)