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$32,140
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,139
−HK$1,016/mo
Today · 4.125%
HK$34,155
baseline
▲ 0.50% · 4.625%
HK$36,233
+HK$2,078/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,310/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,755
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,714
−HK$973/mo
Today · 4.125%
HK$37,687
baseline
▲ 0.50% · 4.625%
HK$39,673
+HK$1,986/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,374/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,767
−HK$1,219/mo
Today · 4.125%
HK$40,986
baseline
▲ 0.50% · 4.625%
HK$43,480
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,972/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,167/mo
Today · 4.125%
HK$45,224
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,384/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,448/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,996
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,395
−HK$1,422/mo
Today · 4.125%
HK$47,817
baseline
▲ 0.50% · 4.625%
HK$50,727
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,634/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,057
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,400
−HK$1,362/mo
Today · 4.125%
HK$52,762
baseline
▲ 0.50% · 4.625%
HK$55,543
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,524/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,851
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,651
−HK$1,828/mo
Today · 4.125%
HK$61,479
baseline
▲ 0.50% · 4.625%
HK$65,220
+HK$3,741/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,958/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,359
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,085
−HK$1,751/mo
Today · 4.125%
HK$67,836
baseline
▲ 0.50% · 4.625%
HK$71,412
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,672/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,555 · Scale 2, in force from 26 Feb 2026)