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$32,322
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$1,022/mo
Today · 4.125%
HK$34,349
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,698/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,922
−HK$978/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$39,898
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,225/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,726
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,306
−HK$1,174/mo
Today · 4.125%
HK$45,480
baseline
▲ 0.50% · 4.625%
HK$47,878
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,960/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,250
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,658
−HK$1,430/mo
Today · 4.125%
HK$48,088
baseline
▲ 0.50% · 4.625%
HK$51,014
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,176/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,341
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,369/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$55,857
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,179
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,838/mo
Today · 4.125%
HK$61,827
baseline
▲ 0.50% · 4.625%
HK$65,590
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,654/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,724
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$1,761/mo
Today · 4.125%
HK$68,221
baseline
▲ 0.50% · 4.625%
HK$71,817
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,442/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,548 · Scale 2, in force from 26 Feb 2026)