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$32,163
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$1,016/mo
Today · 4.125%
HK$34,180
baseline
▲ 0.50% · 4.625%
HK$36,260
+HK$2,080/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,360/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,781
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,741
−HK$973/mo
Today · 4.125%
HK$37,714
baseline
▲ 0.50% · 4.625%
HK$39,702
+HK$1,988/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,428/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,220/mo
Today · 4.125%
HK$41,016
baseline
▲ 0.50% · 4.625%
HK$43,512
+HK$2,496/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$82,032/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,938
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,089
−HK$1,168/mo
Today · 4.125%
HK$45,257
baseline
▲ 0.50% · 4.625%
HK$47,643
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,514/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,029
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,429
−HK$1,423/mo
Today · 4.125%
HK$47,852
baseline
▲ 0.50% · 4.625%
HK$50,764
+HK$2,912/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,704/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,094
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,437
−HK$1,363/mo
Today · 4.125%
HK$52,800
baseline
▲ 0.50% · 4.625%
HK$55,583
+HK$2,783/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,600/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,829/mo
Today · 4.125%
HK$61,524
baseline
▲ 0.50% · 4.625%
HK$65,268
+HK$3,744/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$123,048/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,406
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,134
−HK$1,752/mo
Today · 4.125%
HK$67,886
baseline
▲ 0.50% · 4.625%
HK$71,464
+HK$3,578/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,772/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,942 · Scale 2, in force from 26 Feb 2026)