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$32,279
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,283
−HK$1,021/mo
Today · 4.125%
HK$34,304
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,608/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,910
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$977/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$39,846
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,735
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,940
−HK$1,224/mo
Today · 4.125%
HK$41,164
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,328/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,248
−HK$1,173/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$47,815
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,191
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,597
−HK$1,428/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,275
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,623
−HK$1,368/mo
Today · 4.125%
HK$52,991
baseline
▲ 0.50% · 4.625%
HK$55,784
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,982/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,103
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,910
−HK$1,836/mo
Today · 4.125%
HK$61,746
baseline
▲ 0.50% · 4.625%
HK$65,504
+HK$3,758/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,492/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,639
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,372
−HK$1,759/mo
Today · 4.125%
HK$68,131
baseline
▲ 0.50% · 4.625%
HK$71,722
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,262/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,852 · Scale 2, in force from 26 Feb 2026)