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$32,316
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,321
−HK$1,021/mo
Today · 4.125%
HK$34,342
baseline
▲ 0.50% · 4.625%
HK$36,432
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,684/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,951
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,915
−HK$978/mo
Today · 4.125%
HK$37,893
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,786/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,779
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,985
−HK$1,226/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,718
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,141
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,298
−HK$1,174/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,649
−HK$1,430/mo
Today · 4.125%
HK$48,079
baseline
▲ 0.50% · 4.625%
HK$51,005
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,158/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,331
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,681
−HK$1,369/mo
Today · 4.125%
HK$53,050
baseline
▲ 0.50% · 4.625%
HK$55,847
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,100/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,168
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,978
−HK$1,838/mo
Today · 4.125%
HK$61,816
baseline
▲ 0.50% · 4.625%
HK$65,577
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,632/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,712
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,447
−HK$1,761/mo
Today · 4.125%
HK$68,208
baseline
▲ 0.50% · 4.625%
HK$71,803
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,416/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,449 · Scale 2, in force from 26 Feb 2026)