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$32,263
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,267
−HK$1,019/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,373
+HK$2,087/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,892
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$977/mo
Today · 4.125%
HK$37,832
baseline
▲ 0.50% · 4.625%
HK$39,826
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,664/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,716
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,920
−HK$1,224/mo
Today · 4.125%
HK$41,144
baseline
▲ 0.50% · 4.625%
HK$43,647
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,288/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,071
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,226
−HK$1,172/mo
Today · 4.125%
HK$45,398
baseline
▲ 0.50% · 4.625%
HK$47,791
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,796/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,168
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,428/mo
Today · 4.125%
HK$48,001
baseline
▲ 0.50% · 4.625%
HK$50,922
+HK$2,921/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$96,002/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,249
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,597
−HK$1,367/mo
Today · 4.125%
HK$52,964
baseline
▲ 0.50% · 4.625%
HK$55,756
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,928/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,074
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,880
−HK$1,835/mo
Today · 4.125%
HK$61,715
baseline
▲ 0.50% · 4.625%
HK$65,471
+HK$3,756/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,430/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,606
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,339
−HK$1,758/mo
Today · 4.125%
HK$68,097
baseline
▲ 0.50% · 4.625%
HK$71,686
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,194/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,585 · Scale 2, in force from 26 Feb 2026)