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$32,219
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,221
−HK$1,018/mo
Today · 4.125%
HK$34,239
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$2,084/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,478/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,843
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,804
−HK$976/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$39,771
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,663
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,865
−HK$1,222/mo
Today · 4.125%
HK$41,087
baseline
▲ 0.50% · 4.625%
HK$43,587
+HK$2,500/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,174/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,012
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,165
−HK$1,170/mo
Today · 4.125%
HK$45,335
baseline
▲ 0.50% · 4.625%
HK$47,725
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,670/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,106
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,509
−HK$1,426/mo
Today · 4.125%
HK$47,935
baseline
▲ 0.50% · 4.625%
HK$50,852
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,870/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,180
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,526
−HK$1,365/mo
Today · 4.125%
HK$52,891
baseline
▲ 0.50% · 4.625%
HK$55,679
+HK$2,788/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,782/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,994
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,798
−HK$1,833/mo
Today · 4.125%
HK$61,631
baseline
▲ 0.50% · 4.625%
HK$65,381
+HK$3,750/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,262/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,518
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,248
−HK$1,755/mo
Today · 4.125%
HK$68,003
baseline
▲ 0.50% · 4.625%
HK$71,588
+HK$3,585/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,006/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,855 · Scale 2, in force from 26 Feb 2026)