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$32,305
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$1,021/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,420
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,939
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,903
−HK$978/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$39,878
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,766
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,972
−HK$1,225/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,704
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,127
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,284
−HK$1,173/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$47,853
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,227
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,634
−HK$1,429/mo
Today · 4.125%
HK$48,063
baseline
▲ 0.50% · 4.625%
HK$50,988
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,126/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,315
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,664
−HK$1,369/mo
Today · 4.125%
HK$53,033
baseline
▲ 0.50% · 4.625%
HK$55,829
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,066/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,149
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,958
−HK$1,838/mo
Today · 4.125%
HK$61,796
baseline
▲ 0.50% · 4.625%
HK$65,556
+HK$3,760/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,592/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,690
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,425
−HK$1,760/mo
Today · 4.125%
HK$68,185
baseline
▲ 0.50% · 4.625%
HK$71,780
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,370/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,274 · Scale 2, in force from 26 Feb 2026)