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$32,328
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$1,022/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,445
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,964
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,929
−HK$978/mo
Today · 4.125%
HK$37,907
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,814/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,000
−HK$1,226/mo
Today · 4.125%
HK$41,226
baseline
▲ 0.50% · 4.625%
HK$43,734
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,452/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,157
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,175/mo
Today · 4.125%
HK$45,489
baseline
▲ 0.50% · 4.625%
HK$47,886
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,978/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,259
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,667
−HK$1,430/mo
Today · 4.125%
HK$48,097
baseline
▲ 0.50% · 4.625%
HK$51,023
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,194/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,350
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,700
−HK$1,370/mo
Today · 4.125%
HK$53,070
baseline
▲ 0.50% · 4.625%
HK$55,868
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,140/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,190
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,000
−HK$1,839/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,602
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,736
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,472
−HK$1,761/mo
Today · 4.125%
HK$68,233
baseline
▲ 0.50% · 4.625%
HK$71,830
+HK$3,597/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,466/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,645 · Scale 2, in force from 26 Feb 2026)