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$32,166
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$1,016/mo
Today · 4.125%
HK$34,183
baseline
▲ 0.50% · 4.625%
HK$36,263
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,366/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,744
−HK$974/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$39,706
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,599
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,800
−HK$1,220/mo
Today · 4.125%
HK$41,020
baseline
▲ 0.50% · 4.625%
HK$43,516
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,040/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,941
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,093
−HK$1,168/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$47,647
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,433
−HK$1,423/mo
Today · 4.125%
HK$47,856
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,712/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,098
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,442
−HK$1,363/mo
Today · 4.125%
HK$52,805
baseline
▲ 0.50% · 4.625%
HK$55,588
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,610/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,899
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,830/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$65,274
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,412
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,140
−HK$1,752/mo
Today · 4.125%
HK$67,892
baseline
▲ 0.50% · 4.625%
HK$71,471
+HK$3,579/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,784/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,989 · Scale 2, in force from 26 Feb 2026)