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$32,179
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$1,017/mo
Today · 4.125%
HK$34,197
baseline
▲ 0.50% · 4.625%
HK$36,278
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,394/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,799
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,759
−HK$974/mo
Today · 4.125%
HK$37,733
baseline
▲ 0.50% · 4.625%
HK$39,722
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,466/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,816
−HK$1,220/mo
Today · 4.125%
HK$41,036
baseline
▲ 0.50% · 4.625%
HK$43,533
+HK$2,497/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$82,072/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,959
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,111
−HK$1,169/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$47,666
+HK$2,386/mo
Deposit HK$5.64M · loan HK$8.47M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,452
−HK$1,424/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,789
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,119
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,363/mo
Today · 4.125%
HK$52,826
baseline
▲ 0.50% · 4.625%
HK$55,611
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,652/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,922
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,724
−HK$1,831/mo
Today · 4.125%
HK$61,555
baseline
▲ 0.50% · 4.625%
HK$65,300
+HK$3,745/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,110/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,438
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,166
−HK$1,754/mo
Today · 4.125%
HK$67,920
baseline
▲ 0.50% · 4.625%
HK$71,500
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,840/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,203 · Scale 2, in force from 26 Feb 2026)