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$32,182
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,183
−HK$1,017/mo
Today · 4.125%
HK$34,200
baseline
▲ 0.50% · 4.625%
HK$36,281
+HK$2,081/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$68,400/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,802
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,762
−HK$975/mo
Today · 4.125%
HK$37,737
baseline
▲ 0.50% · 4.625%
HK$39,726
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,474/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,619
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,820
−HK$1,220/mo
Today · 4.125%
HK$41,040
baseline
▲ 0.50% · 4.625%
HK$43,537
+HK$2,497/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$82,080/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,963
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,115
−HK$1,169/mo
Today · 4.125%
HK$45,284
baseline
▲ 0.50% · 4.625%
HK$47,671
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,568/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,055
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,456
−HK$1,424/mo
Today · 4.125%
HK$47,880
baseline
▲ 0.50% · 4.625%
HK$50,794
+HK$2,914/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,760/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,123
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,467
−HK$1,364/mo
Today · 4.125%
HK$52,831
baseline
▲ 0.50% · 4.625%
HK$55,616
+HK$2,785/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$105,662/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,928
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,730
−HK$1,830/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$65,306
+HK$3,746/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,444
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,172
−HK$1,754/mo
Today · 4.125%
HK$67,926
baseline
▲ 0.50% · 4.625%
HK$71,506
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,852/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,252 · Scale 2, in force from 26 Feb 2026)