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$32,270
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,274
−HK$1,020/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,381
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,900
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,863
−HK$977/mo
Today · 4.125%
HK$37,840
baseline
▲ 0.50% · 4.625%
HK$39,835
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,680/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,724
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,224/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,081
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,172/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$47,802
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,179
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,584
−HK$1,428/mo
Today · 4.125%
HK$48,012
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,921/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,024/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,261
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,609
−HK$1,367/mo
Today · 4.125%
HK$52,976
baseline
▲ 0.50% · 4.625%
HK$55,769
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,952/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,087
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,894
−HK$1,835/mo
Today · 4.125%
HK$61,729
baseline
▲ 0.50% · 4.625%
HK$65,485
+HK$3,756/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,458/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,621
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,354
−HK$1,758/mo
Today · 4.125%
HK$68,112
baseline
▲ 0.50% · 4.625%
HK$71,702
+HK$3,590/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,224/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,704 · Scale 2, in force from 26 Feb 2026)