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$32,258
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$1,020/mo
Today · 4.125%
HK$34,281
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,562/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,886
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,849
−HK$976/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,709
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,913
−HK$1,224/mo
Today · 4.125%
HK$41,137
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,274/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,064
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,171/mo
Today · 4.125%
HK$45,390
baseline
▲ 0.50% · 4.625%
HK$47,783
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,780/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,161
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,427/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,588
−HK$1,367/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$55,747
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,910/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,064
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,870
−HK$1,835/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$65,460
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,596
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,328
−HK$1,757/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$71,674
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,170/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,496 · Scale 2, in force from 26 Feb 2026)