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$32,203
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,205
−HK$1,017/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,305
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,825
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,786
−HK$975/mo
Today · 4.125%
HK$37,761
baseline
▲ 0.50% · 4.625%
HK$39,751
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,522/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,846
−HK$1,221/mo
Today · 4.125%
HK$41,067
baseline
▲ 0.50% · 4.625%
HK$43,566
+HK$2,499/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,134/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,991
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,144
−HK$1,169/mo
Today · 4.125%
HK$45,313
baseline
▲ 0.50% · 4.625%
HK$47,702
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,626/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,084
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,424/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,827
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,156
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,501
−HK$1,364/mo
Today · 4.125%
HK$52,865
baseline
▲ 0.50% · 4.625%
HK$55,652
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,730/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,965
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,768
−HK$1,832/mo
Today · 4.125%
HK$61,600
baseline
▲ 0.50% · 4.625%
HK$65,348
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,200/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,486
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$1,755/mo
Today · 4.125%
HK$67,970
baseline
▲ 0.50% · 4.625%
HK$71,553
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,940/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,595 · Scale 2, in force from 26 Feb 2026)