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$32,324
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,330
−HK$1,021/mo
Today · 4.125%
HK$34,351
baseline
▲ 0.50% · 4.625%
HK$36,441
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,702/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,960
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,925
−HK$978/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$39,901
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,789
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,996
−HK$1,226/mo
Today · 4.125%
HK$41,222
baseline
▲ 0.50% · 4.625%
HK$43,730
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,444/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,310
−HK$1,174/mo
Today · 4.125%
HK$45,484
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,968/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,254
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,662
−HK$1,430/mo
Today · 4.125%
HK$48,092
baseline
▲ 0.50% · 4.625%
HK$51,018
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,184/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,345
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,695
−HK$1,370/mo
Today · 4.125%
HK$53,065
baseline
▲ 0.50% · 4.625%
HK$55,862
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,130/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,184
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,993
−HK$1,839/mo
Today · 4.125%
HK$61,832
baseline
▲ 0.50% · 4.625%
HK$65,595
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,664/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,729
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,465
−HK$1,761/mo
Today · 4.125%
HK$68,226
baseline
▲ 0.50% · 4.625%
HK$71,822
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,452/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,590 · Scale 2, in force from 26 Feb 2026)