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$32,234
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$1,019/mo
Today · 4.125%
HK$34,256
baseline
▲ 0.50% · 4.625%
HK$36,340
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,512/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,822
−HK$976/mo
Today · 4.125%
HK$37,798
baseline
▲ 0.50% · 4.625%
HK$39,790
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,596/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,681
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,884
−HK$1,223/mo
Today · 4.125%
HK$41,107
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,214/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,032
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,187
−HK$1,170/mo
Today · 4.125%
HK$45,357
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,391/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,714/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,532
−HK$1,426/mo
Today · 4.125%
HK$47,958
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,916/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,205
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,551
−HK$1,366/mo
Today · 4.125%
HK$52,917
baseline
▲ 0.50% · 4.625%
HK$55,706
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,834/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,022
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,827
−HK$1,833/mo
Today · 4.125%
HK$61,660
baseline
▲ 0.50% · 4.625%
HK$65,412
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,320/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,549
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,280
−HK$1,756/mo
Today · 4.125%
HK$68,036
baseline
▲ 0.50% · 4.625%
HK$71,622
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,072/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,111 · Scale 2, in force from 26 Feb 2026)