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$32,214
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$1,018/mo
Today · 4.125%
HK$34,234
baseline
▲ 0.50% · 4.625%
HK$36,317
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,468/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$975/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$39,765
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,657
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,222/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,005
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,159
−HK$1,170/mo
Today · 4.125%
HK$45,329
baseline
▲ 0.50% · 4.625%
HK$47,718
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,658/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,100
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,502
−HK$1,426/mo
Today · 4.125%
HK$47,928
baseline
▲ 0.50% · 4.625%
HK$50,844
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,856/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,173
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,518
−HK$1,365/mo
Today · 4.125%
HK$52,883
baseline
▲ 0.50% · 4.625%
HK$55,671
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,766/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,985
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,789
−HK$1,832/mo
Today · 4.125%
HK$61,621
baseline
▲ 0.50% · 4.625%
HK$65,371
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,242/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$1,755/mo
Today · 4.125%
HK$67,993
baseline
▲ 0.50% · 4.625%
HK$71,577
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,986/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,775 · Scale 2, in force from 26 Feb 2026)