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$32,212
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$1,018/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$2,083/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,835
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,796
−HK$975/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$39,762
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,222/mo
Today · 4.125%
HK$41,078
baseline
▲ 0.50% · 4.625%
HK$43,578
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,156/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,156
−HK$1,170/mo
Today · 4.125%
HK$45,326
baseline
▲ 0.50% · 4.625%
HK$47,715
+HK$2,389/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,652/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,425/mo
Today · 4.125%
HK$47,924
baseline
▲ 0.50% · 4.625%
HK$50,840
+HK$2,916/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,848/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,169
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,515
−HK$1,365/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$55,667
+HK$2,787/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,981
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,785
−HK$1,832/mo
Today · 4.125%
HK$61,617
baseline
▲ 0.50% · 4.625%
HK$65,366
+HK$3,749/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,234/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,503
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$1,755/mo
Today · 4.125%
HK$67,988
baseline
▲ 0.50% · 4.625%
HK$71,572
+HK$3,584/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,976/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,739 · Scale 2, in force from 26 Feb 2026)