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$32,337
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$1,022/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,456
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,975
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,940
−HK$979/mo
Today · 4.125%
HK$37,919
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,838/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,226/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,748
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,174/mo
Today · 4.125%
HK$45,502
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,004/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,272
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,430/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,928/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,370/mo
Today · 4.125%
HK$53,086
baseline
▲ 0.50% · 4.625%
HK$55,884
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,172/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,207
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,018
−HK$1,840/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,621
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,755
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,492
−HK$1,762/mo
Today · 4.125%
HK$68,254
baseline
▲ 0.50% · 4.625%
HK$71,851
+HK$3,597/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,508/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,807 · Scale 2, in force from 26 Feb 2026)