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$32,213
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,215
−HK$1,018/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,798
−HK$975/mo
Today · 4.125%
HK$37,773
baseline
▲ 0.50% · 4.625%
HK$39,764
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,546/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,656
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,858
−HK$1,222/mo
Today · 4.125%
HK$41,080
baseline
▲ 0.50% · 4.625%
HK$43,580
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,160/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,004
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,170/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$47,717
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,098
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,501
−HK$1,426/mo
Today · 4.125%
HK$47,927
baseline
▲ 0.50% · 4.625%
HK$50,843
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,854/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,172
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,365/mo
Today · 4.125%
HK$52,882
baseline
▲ 0.50% · 4.625%
HK$55,670
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,764/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,984
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,787
−HK$1,833/mo
Today · 4.125%
HK$61,620
baseline
▲ 0.50% · 4.625%
HK$65,369
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,240/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,506
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,236
−HK$1,755/mo
Today · 4.125%
HK$67,991
baseline
▲ 0.50% · 4.625%
HK$71,575
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,982/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,763 · Scale 2, in force from 26 Feb 2026)