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$32,310
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$1,021/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,425
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,944
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$978/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,772
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,978
−HK$1,225/mo
Today · 4.125%
HK$41,203
baseline
▲ 0.50% · 4.625%
HK$43,710
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,406/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,133
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,290
−HK$1,173/mo
Today · 4.125%
HK$45,463
baseline
▲ 0.50% · 4.625%
HK$47,860
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,926/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,233
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,640
−HK$1,430/mo
Today · 4.125%
HK$48,070
baseline
▲ 0.50% · 4.625%
HK$50,995
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,140/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,322
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,671
−HK$1,370/mo
Today · 4.125%
HK$53,041
baseline
▲ 0.50% · 4.625%
HK$55,836
+HK$2,795/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,082/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,157
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,966
−HK$1,838/mo
Today · 4.125%
HK$61,804
baseline
▲ 0.50% · 4.625%
HK$65,565
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,608/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,699
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,435
−HK$1,760/mo
Today · 4.125%
HK$68,195
baseline
▲ 0.50% · 4.625%
HK$71,790
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,390/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,349 · Scale 2, in force from 26 Feb 2026)