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$32,255
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$1,019/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,884
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$976/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,706
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,224/mo
Today · 4.125%
HK$41,134
baseline
▲ 0.50% · 4.625%
HK$43,636
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,268/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,060
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,215
−HK$1,172/mo
Today · 4.125%
HK$45,387
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,774/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,562
−HK$1,427/mo
Today · 4.125%
HK$47,989
baseline
▲ 0.50% · 4.625%
HK$50,909
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,978/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,237
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,585
−HK$1,366/mo
Today · 4.125%
HK$52,951
baseline
▲ 0.50% · 4.625%
HK$55,743
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,902/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,060
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,866
−HK$1,834/mo
Today · 4.125%
HK$61,700
baseline
▲ 0.50% · 4.625%
HK$65,455
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,400/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,591
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,323
−HK$1,757/mo
Today · 4.125%
HK$68,080
baseline
▲ 0.50% · 4.625%
HK$71,669
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,160/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,456 · Scale 2, in force from 26 Feb 2026)