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$32,334
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,340
−HK$1,022/mo
Today · 4.125%
HK$34,362
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,724/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$979/mo
Today · 4.125%
HK$37,915
baseline
▲ 0.50% · 4.625%
HK$39,913
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,830/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,801
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,008
−HK$1,226/mo
Today · 4.125%
HK$41,234
baseline
▲ 0.50% · 4.625%
HK$43,743
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,468/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,165
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,323
−HK$1,174/mo
Today · 4.125%
HK$45,497
baseline
▲ 0.50% · 4.625%
HK$47,896
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,994/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,267
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,676
−HK$1,430/mo
Today · 4.125%
HK$48,106
baseline
▲ 0.50% · 4.625%
HK$51,033
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,212/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,360
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,710
−HK$1,370/mo
Today · 4.125%
HK$53,080
baseline
▲ 0.50% · 4.625%
HK$55,878
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,160/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,201
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,011
−HK$1,840/mo
Today · 4.125%
HK$61,851
baseline
▲ 0.50% · 4.625%
HK$65,614
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,702/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,748
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,485
−HK$1,761/mo
Today · 4.125%
HK$68,246
baseline
▲ 0.50% · 4.625%
HK$71,844
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,492/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,748 · Scale 2, in force from 26 Feb 2026)