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$32,143
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,143
−HK$1,016/mo
Today · 4.125%
HK$34,159
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$2,079/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$68,318/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,759
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,718
−HK$973/mo
Today · 4.125%
HK$37,691
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$1,987/mo
Deposit HK$7.05M · loan HK$7.05M · min. income ≈ HK$75,382/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,572
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,219/mo
Today · 4.125%
HK$40,991
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,494/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$81,982/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,167/mo
Today · 4.125%
HK$45,229
baseline
▲ 0.50% · 4.625%
HK$47,614
+HK$2,385/mo
Deposit HK$5.64M · loan HK$8.46M · min. income ≈ HK$90,458/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,001
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,401
−HK$1,422/mo
Today · 4.125%
HK$47,823
baseline
▲ 0.50% · 4.625%
HK$50,733
+HK$2,910/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$95,646/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,063
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,406
−HK$1,362/mo
Today · 4.125%
HK$52,768
baseline
▲ 0.50% · 4.625%
HK$55,549
+HK$2,781/mo
Deposit HK$4.23M · loan HK$9.87M · min. income ≈ HK$105,536/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,858
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,658
−HK$1,828/mo
Today · 4.125%
HK$61,486
baseline
▲ 0.50% · 4.625%
HK$65,228
+HK$3,742/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$122,972/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,367
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,093
−HK$1,751/mo
Today · 4.125%
HK$67,844
baseline
▲ 0.50% · 4.625%
HK$71,420
+HK$3,576/mo
Deposit HK$1.41M · loan HK$12.69M · min. income ≈ HK$135,688/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,615 · Scale 2, in force from 26 Feb 2026)