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$32,197
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$1,018/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,779
−HK$974/mo
Today · 4.125%
HK$37,753
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$1,991/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,506/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,221/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,135
−HK$1,169/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$47,692
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,075
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,477
−HK$1,425/mo
Today · 4.125%
HK$47,902
baseline
▲ 0.50% · 4.625%
HK$50,816
+HK$2,914/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,804/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,146
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,491
−HK$1,364/mo
Today · 4.125%
HK$52,855
baseline
▲ 0.50% · 4.625%
HK$55,641
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,710/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,954
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,756
−HK$1,832/mo
Today · 4.125%
HK$61,588
baseline
▲ 0.50% · 4.625%
HK$65,335
+HK$3,747/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,176/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,473
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,202
−HK$1,754/mo
Today · 4.125%
HK$67,956
baseline
▲ 0.50% · 4.625%
HK$71,538
+HK$3,582/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,912/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,490 · Scale 2, in force from 26 Feb 2026)