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$32,195
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$1,018/mo
Today · 4.125%
HK$34,214
baseline
▲ 0.50% · 4.625%
HK$36,295
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,428/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,777
−HK$974/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$39,741
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,634
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,221/mo
Today · 4.125%
HK$41,056
baseline
▲ 0.50% · 4.625%
HK$43,554
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,112/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,979
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,132
−HK$1,170/mo
Today · 4.125%
HK$45,302
baseline
▲ 0.50% · 4.625%
HK$47,689
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,604/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,073
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,475
−HK$1,424/mo
Today · 4.125%
HK$47,899
baseline
▲ 0.50% · 4.625%
HK$50,814
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,798/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,143
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,364/mo
Today · 4.125%
HK$52,852
baseline
▲ 0.50% · 4.625%
HK$55,638
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,704/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,950
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,753
−HK$1,831/mo
Today · 4.125%
HK$61,584
baseline
▲ 0.50% · 4.625%
HK$65,332
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,168/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,469
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,198
−HK$1,754/mo
Today · 4.125%
HK$67,952
baseline
▲ 0.50% · 4.625%
HK$71,534
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,904/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,459 · Scale 2, in force from 26 Feb 2026)