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$32,249
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$1,020/mo
Today · 4.125%
HK$34,272
baseline
▲ 0.50% · 4.625%
HK$36,357
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,544/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,877
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$976/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$39,809
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,699
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,903
−HK$1,223/mo
Today · 4.125%
HK$41,126
baseline
▲ 0.50% · 4.625%
HK$43,628
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,252/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,052
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,207
−HK$1,171/mo
Today · 4.125%
HK$45,378
baseline
▲ 0.50% · 4.625%
HK$47,770
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,756/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,149
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,553
−HK$1,427/mo
Today · 4.125%
HK$47,980
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,960/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,228
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,575
−HK$1,366/mo
Today · 4.125%
HK$52,941
baseline
▲ 0.50% · 4.625%
HK$55,732
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,882/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,049
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,854
−HK$1,835/mo
Today · 4.125%
HK$61,689
baseline
▲ 0.50% · 4.625%
HK$65,442
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,378/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,578
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,310
−HK$1,757/mo
Today · 4.125%
HK$68,067
baseline
▲ 0.50% · 4.625%
HK$71,655
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,134/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,356 · Scale 2, in force from 26 Feb 2026)