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$32,235
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,238
−HK$1,019/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,341
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,823
−HK$976/mo
Today · 4.125%
HK$37,799
baseline
▲ 0.50% · 4.625%
HK$39,791
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,598/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,682
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,886
−HK$1,222/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,502/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,034
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,188
−HK$1,171/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$47,750
+HK$2,391/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,130
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,533
−HK$1,427/mo
Today · 4.125%
HK$47,960
baseline
▲ 0.50% · 4.625%
HK$50,878
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,920/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,206
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,553
−HK$1,366/mo
Today · 4.125%
HK$52,919
baseline
▲ 0.50% · 4.625%
HK$55,708
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,838/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,024
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,829
−HK$1,833/mo
Today · 4.125%
HK$61,662
baseline
▲ 0.50% · 4.625%
HK$65,414
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,324/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,551
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,282
−HK$1,756/mo
Today · 4.125%
HK$68,038
baseline
▲ 0.50% · 4.625%
HK$71,625
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,076/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,128 · Scale 2, in force from 26 Feb 2026)