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$32,192
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$1,018/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,774
−HK$974/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$39,738
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,630
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,221/mo
Today · 4.125%
HK$41,053
baseline
▲ 0.50% · 4.625%
HK$43,551
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,106/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,976
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,170/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$47,685
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,069
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,425/mo
Today · 4.125%
HK$47,895
baseline
▲ 0.50% · 4.625%
HK$50,809
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,790/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,138
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,483
−HK$1,364/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$55,633
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,945
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,748
−HK$1,831/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$65,326
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,464
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,192
−HK$1,754/mo
Today · 4.125%
HK$67,946
baseline
▲ 0.50% · 4.625%
HK$71,528
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,892/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,412 · Scale 2, in force from 26 Feb 2026)