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$32,247
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$1,020/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$976/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,697
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,223/mo
Today · 4.125%
HK$41,124
baseline
▲ 0.50% · 4.625%
HK$43,626
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,248/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,050
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,204
−HK$1,172/mo
Today · 4.125%
HK$45,376
baseline
▲ 0.50% · 4.625%
HK$47,768
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,752/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,146
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,551
−HK$1,426/mo
Today · 4.125%
HK$47,977
baseline
▲ 0.50% · 4.625%
HK$50,897
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,954/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,225
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,572
−HK$1,366/mo
Today · 4.125%
HK$52,938
baseline
▲ 0.50% · 4.625%
HK$55,729
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,876/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,045
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,851
−HK$1,834/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$65,439
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,575
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,307
−HK$1,757/mo
Today · 4.125%
HK$68,064
baseline
▲ 0.50% · 4.625%
HK$71,651
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,128/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,326 · Scale 2, in force from 26 Feb 2026)