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$32,218
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,220
−HK$1,018/mo
Today · 4.125%
HK$34,238
baseline
▲ 0.50% · 4.625%
HK$36,322
+HK$2,084/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,476/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,842
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,803
−HK$976/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$39,770
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,558/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,222/mo
Today · 4.125%
HK$41,086
baseline
▲ 0.50% · 4.625%
HK$43,586
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,172/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,010
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,164
−HK$1,170/mo
Today · 4.125%
HK$45,334
baseline
▲ 0.50% · 4.625%
HK$47,724
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,668/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,508
−HK$1,426/mo
Today · 4.125%
HK$47,934
baseline
▲ 0.50% · 4.625%
HK$50,850
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,868/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,179
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,525
−HK$1,365/mo
Today · 4.125%
HK$52,890
baseline
▲ 0.50% · 4.625%
HK$55,678
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,780/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,992
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,796
−HK$1,833/mo
Today · 4.125%
HK$61,629
baseline
▲ 0.50% · 4.625%
HK$65,379
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,258/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,516
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,246
−HK$1,755/mo
Today · 4.125%
HK$68,001
baseline
▲ 0.50% · 4.625%
HK$71,586
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,002/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,840 · Scale 2, in force from 26 Feb 2026)