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$32,333
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,339
−HK$1,021/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,970
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,935
−HK$978/mo
Today · 4.125%
HK$37,913
baseline
▲ 0.50% · 4.625%
HK$39,912
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,826/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,006
−HK$1,227/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,741
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,164
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,174/mo
Today · 4.125%
HK$45,496
baseline
▲ 0.50% · 4.625%
HK$47,894
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,992/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,266
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,431/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$51,032
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,370/mo
Today · 4.125%
HK$53,079
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,158/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,199
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,009
−HK$1,840/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,612
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,746
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,482
−HK$1,762/mo
Today · 4.125%
HK$68,244
baseline
▲ 0.50% · 4.625%
HK$71,841
+HK$3,597/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,488/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,731 · Scale 2, in force from 26 Feb 2026)