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$32,229
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$1,019/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,334
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$975/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$39,783
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,675
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,878
−HK$1,222/mo
Today · 4.125%
HK$41,100
baseline
▲ 0.50% · 4.625%
HK$43,601
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,200/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,025
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,179
−HK$1,171/mo
Today · 4.125%
HK$45,350
baseline
▲ 0.50% · 4.625%
HK$47,740
+HK$2,390/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,700/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,120
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,524
−HK$1,426/mo
Today · 4.125%
HK$47,950
baseline
▲ 0.50% · 4.625%
HK$50,867
+HK$2,917/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$95,900/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,196
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,542
−HK$1,366/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$55,697
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.89M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,012
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,816
−HK$1,834/mo
Today · 4.125%
HK$61,650
baseline
▲ 0.50% · 4.625%
HK$65,401
+HK$3,751/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,300/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,538
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,268
−HK$1,756/mo
Today · 4.125%
HK$68,024
baseline
▲ 0.50% · 4.625%
HK$71,610
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,048/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,020 · Scale 2, in force from 26 Feb 2026)