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$32,241
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$1,019/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$976/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$39,798
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,689
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,893
−HK$1,222/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,617
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,041
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,196
−HK$1,171/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$47,758
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,137
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,541
−HK$1,427/mo
Today · 4.125%
HK$47,968
baseline
▲ 0.50% · 4.625%
HK$50,887
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,936/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,215
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,562
−HK$1,366/mo
Today · 4.125%
HK$52,928
baseline
▲ 0.50% · 4.625%
HK$55,718
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,856/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,034
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,839
−HK$1,834/mo
Today · 4.125%
HK$61,673
baseline
▲ 0.50% · 4.625%
HK$65,426
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,346/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,562
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$1,757/mo
Today · 4.125%
HK$68,050
baseline
▲ 0.50% · 4.625%
HK$71,637
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,100/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,220 · Scale 2, in force from 26 Feb 2026)