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$32,217
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$1,018/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,841
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$975/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$39,769
+HK$1,992/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,660
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,863
−HK$1,222/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,584
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,009
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,163
−HK$1,170/mo
Today · 4.125%
HK$45,333
baseline
▲ 0.50% · 4.625%
HK$47,722
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,666/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,104
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,507
−HK$1,425/mo
Today · 4.125%
HK$47,932
baseline
▲ 0.50% · 4.625%
HK$50,848
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,864/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,523
−HK$1,365/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$55,676
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,990
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,794
−HK$1,833/mo
Today · 4.125%
HK$61,627
baseline
▲ 0.50% · 4.625%
HK$65,377
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,254/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,514
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,244
−HK$1,755/mo
Today · 4.125%
HK$67,999
baseline
▲ 0.50% · 4.625%
HK$71,583
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$135,998/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,823 · Scale 2, in force from 26 Feb 2026)