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$32,190
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$1,017/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$974/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,629
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,830
−HK$1,221/mo
Today · 4.125%
HK$41,051
baseline
▲ 0.50% · 4.625%
HK$43,549
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,102/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,974
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,126
−HK$1,170/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$47,683
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,468
−HK$1,425/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,136
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,481
−HK$1,364/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$55,630
+HK$2,785/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,943
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,745
−HK$1,831/mo
Today · 4.125%
HK$61,576
baseline
▲ 0.50% · 4.625%
HK$65,323
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,152/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,461
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,190
−HK$1,753/mo
Today · 4.125%
HK$67,943
baseline
▲ 0.50% · 4.625%
HK$71,525
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,886/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,389 · Scale 2, in force from 26 Feb 2026)