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$32,343
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,350
−HK$1,022/mo
Today · 4.125%
HK$34,372
baseline
▲ 0.50% · 4.625%
HK$36,463
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,744/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,982
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,947
−HK$979/mo
Today · 4.125%
HK$37,926
baseline
▲ 0.50% · 4.625%
HK$39,925
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,852/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,019
−HK$1,227/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,756
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,178
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,336
−HK$1,175/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$47,910
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,689
−HK$1,431/mo
Today · 4.125%
HK$48,120
baseline
▲ 0.50% · 4.625%
HK$51,048
+HK$2,928/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,240/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,375
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,726
−HK$1,370/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$55,895
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,218
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,029
−HK$1,840/mo
Today · 4.125%
HK$61,869
baseline
▲ 0.50% · 4.625%
HK$65,634
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,738/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,767
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,504
−HK$1,762/mo
Today · 4.125%
HK$68,266
baseline
▲ 0.50% · 4.625%
HK$71,865
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,532/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,906 · Scale 2, in force from 26 Feb 2026)