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$32,265
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$1,019/mo
Today · 4.125%
HK$34,288
baseline
▲ 0.50% · 4.625%
HK$36,375
+HK$2,087/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,576/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,895
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$977/mo
Today · 4.125%
HK$37,834
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,668/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,923
−HK$1,223/mo
Today · 4.125%
HK$41,146
baseline
▲ 0.50% · 4.625%
HK$43,650
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,292/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,074
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,229
−HK$1,172/mo
Today · 4.125%
HK$45,401
baseline
▲ 0.50% · 4.625%
HK$47,794
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,802/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,171
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,576
−HK$1,428/mo
Today · 4.125%
HK$48,004
baseline
▲ 0.50% · 4.625%
HK$50,925
+HK$2,921/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$96,008/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,253
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,600
−HK$1,368/mo
Today · 4.125%
HK$52,968
baseline
▲ 0.50% · 4.625%
HK$55,760
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,936/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,077
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,884
−HK$1,835/mo
Today · 4.125%
HK$61,719
baseline
▲ 0.50% · 4.625%
HK$65,475
+HK$3,756/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,438/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,610
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,343
−HK$1,758/mo
Today · 4.125%
HK$68,101
baseline
▲ 0.50% · 4.625%
HK$71,691
+HK$3,590/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,202/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,618 · Scale 2, in force from 26 Feb 2026)