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$32,225
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$1,019/mo
Today · 4.125%
HK$34,246
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$2,083/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,492/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,811
−HK$976/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$39,778
+HK$1,991/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,670
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,873
−HK$1,222/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,595
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,020
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,170/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,115
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,518
−HK$1,426/mo
Today · 4.125%
HK$47,944
baseline
▲ 0.50% · 4.625%
HK$50,861
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,888/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,190
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,536
−HK$1,365/mo
Today · 4.125%
HK$52,901
baseline
▲ 0.50% · 4.625%
HK$55,690
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,802/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,005
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,809
−HK$1,833/mo
Today · 4.125%
HK$61,642
baseline
▲ 0.50% · 4.625%
HK$65,393
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,284/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,530
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,260
−HK$1,756/mo
Today · 4.125%
HK$68,016
baseline
▲ 0.50% · 4.625%
HK$71,601
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,032/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,955 · Scale 2, in force from 26 Feb 2026)