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$32,198
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$1,018/mo
Today · 4.125%
HK$34,217
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$2,082/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,434/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,780
−HK$975/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$39,745
+HK$1,990/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,637
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,839
−HK$1,221/mo
Today · 4.125%
HK$41,060
baseline
▲ 0.50% · 4.625%
HK$43,558
+HK$2,498/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,120/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,983
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,136
−HK$1,170/mo
Today · 4.125%
HK$45,306
baseline
▲ 0.50% · 4.625%
HK$47,694
+HK$2,388/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,612/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,424/mo
Today · 4.125%
HK$47,903
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,915/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$95,806/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,365/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$2,786/mo
Deposit HK$4.24M · loan HK$9.88M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,956
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,758
−HK$1,832/mo
Today · 4.125%
HK$61,590
baseline
▲ 0.50% · 4.625%
HK$65,338
+HK$3,748/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$123,180/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,475
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,204
−HK$1,754/mo
Today · 4.125%
HK$67,958
baseline
▲ 0.50% · 4.625%
HK$71,541
+HK$3,583/mo
Deposit HK$1.41M · loan HK$12.71M · min. income ≈ HK$135,916/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,507 · Scale 2, in force from 26 Feb 2026)