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$32,231
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,234
−HK$1,019/mo
Today · 4.125%
HK$34,253
baseline
▲ 0.50% · 4.625%
HK$36,337
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,506/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,819
−HK$975/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$39,787
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,222/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,604
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,029
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,170/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$47,744
+HK$2,391/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,124
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,528
−HK$1,426/mo
Today · 4.125%
HK$47,954
baseline
▲ 0.50% · 4.625%
HK$50,872
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,908/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,200
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,546
−HK$1,366/mo
Today · 4.125%
HK$52,912
baseline
▲ 0.50% · 4.625%
HK$55,701
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,824/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,017
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,821
−HK$1,834/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$65,406
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,310/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,543
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,274
−HK$1,756/mo
Today · 4.125%
HK$68,030
baseline
▲ 0.50% · 4.625%
HK$71,616
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,060/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,064 · Scale 2, in force from 26 Feb 2026)