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$529,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,802
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,762
−HK$974/mo
Today · 4.125%
HK$37,736
baseline
▲ 0.50% · 4.625%
HK$39,725
+HK$1,989/mo
Deposit HK$7.06M · loan HK$7.06M · min. income ≈ HK$75,472/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$529,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,618
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,221/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$529,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,962
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,169/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,387/mo
Deposit HK$5.65M · loan HK$8.47M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$529,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,456
−HK$1,424/mo
Today · 4.125%
HK$47,880
baseline
▲ 0.50% · 4.625%
HK$50,793
+HK$2,913/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$529,246 · 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$55,615
+HK$2,784/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$529,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,927
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,729
−HK$1,831/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$65,305
+HK$3,745/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$529,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,443
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,172
−HK$1,753/mo
Today · 4.125%
HK$67,925
baseline
▲ 0.50% · 4.625%
HK$71,505
+HK$3,580/mo
Deposit HK$1.41M · loan HK$12.70M · min. income ≈ HK$135,850/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$529,246 · Scale 2, in force from 26 Feb 2026)