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$32,316
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,322
−HK$1,021/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,952
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$978/mo
Today · 4.125%
HK$37,894
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$1,997/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,788/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,780
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,986
−HK$1,225/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,299
−HK$1,174/mo
Today · 4.125%
HK$45,473
baseline
▲ 0.50% · 4.625%
HK$47,870
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,946/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,243
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,650
−HK$1,430/mo
Today · 4.125%
HK$48,080
baseline
▲ 0.50% · 4.625%
HK$51,006
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,160/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,332
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,369/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,169
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,979
−HK$1,838/mo
Today · 4.125%
HK$61,817
baseline
▲ 0.50% · 4.625%
HK$65,579
+HK$3,762/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,634/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,713
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,448
−HK$1,761/mo
Today · 4.125%
HK$68,209
baseline
▲ 0.50% · 4.625%
HK$71,804
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,418/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,459 · Scale 2, in force from 26 Feb 2026)