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$32,350
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,356
−HK$1,023/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,989
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$980/mo
Today · 4.125%
HK$37,934
baseline
▲ 0.50% · 4.625%
HK$39,933
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,868/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,820
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,028
−HK$1,226/mo
Today · 4.125%
HK$41,254
baseline
▲ 0.50% · 4.625%
HK$43,765
+HK$2,511/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,508/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,187
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,345
−HK$1,175/mo
Today · 4.125%
HK$45,520
baseline
▲ 0.50% · 4.625%
HK$47,920
+HK$2,400/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,040/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,290
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,699
−HK$1,431/mo
Today · 4.125%
HK$48,130
baseline
▲ 0.50% · 4.625%
HK$51,059
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,260/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,385
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,736
−HK$1,371/mo
Today · 4.125%
HK$53,107
baseline
▲ 0.50% · 4.625%
HK$55,906
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,214/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,230
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,041
−HK$1,841/mo
Today · 4.125%
HK$61,882
baseline
▲ 0.50% · 4.625%
HK$65,647
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,764/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,780
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,518
−HK$1,762/mo
Today · 4.125%
HK$68,280
baseline
▲ 0.50% · 4.625%
HK$71,879
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,560/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,014 · Scale 2, in force from 26 Feb 2026)