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$32,312
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$1,021/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$2,089/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,947
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$978/mo
Today · 4.125%
HK$37,889
baseline
▲ 0.50% · 4.625%
HK$39,886
+HK$1,997/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,778/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,774
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,980
−HK$1,226/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,136
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,293
−HK$1,173/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$47,863
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,237
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,644
−HK$1,429/mo
Today · 4.125%
HK$48,073
baseline
▲ 0.50% · 4.625%
HK$50,998
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,146/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,325
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,675
−HK$1,369/mo
Today · 4.125%
HK$53,044
baseline
▲ 0.50% · 4.625%
HK$55,840
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,088/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,161
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,971
−HK$1,838/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,569
+HK$3,760/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,704
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,439
−HK$1,761/mo
Today · 4.125%
HK$68,200
baseline
▲ 0.50% · 4.625%
HK$71,795
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,400/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,386 · Scale 2, in force from 26 Feb 2026)