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$32,312
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$1,021/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,947
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$978/mo
Today · 4.125%
HK$37,889
baseline
▲ 0.50% · 4.625%
HK$39,886
+HK$1,997/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,778/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,225/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,136
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,293
−HK$1,174/mo
Today · 4.125%
HK$45,467
baseline
▲ 0.50% · 4.625%
HK$47,863
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,934/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,237
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,644
−HK$1,430/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$50,999
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,675
−HK$1,370/mo
Today · 4.125%
HK$53,045
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,090/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,162
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,971
−HK$1,838/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,570
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,705
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,440
−HK$1,760/mo
Today · 4.125%
HK$68,200
baseline
▲ 0.50% · 4.625%
HK$71,795
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,400/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,391 · Scale 2, in force from 26 Feb 2026)