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$32,351
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,357
−HK$1,022/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,990
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,955
−HK$979/mo
Today · 4.125%
HK$37,934
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,868/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,821
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,028
−HK$1,227/mo
Today · 4.125%
HK$41,255
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,511/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,510/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,188
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,346
−HK$1,175/mo
Today · 4.125%
HK$45,521
baseline
▲ 0.50% · 4.625%
HK$47,921
+HK$2,400/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,042/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,291
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,700
−HK$1,431/mo
Today · 4.125%
HK$48,131
baseline
▲ 0.50% · 4.625%
HK$51,060
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,262/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,386
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,737
−HK$1,371/mo
Today · 4.125%
HK$53,108
baseline
▲ 0.50% · 4.625%
HK$55,907
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,216/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,231
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,043
−HK$1,840/mo
Today · 4.125%
HK$61,883
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,766/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,782
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,519
−HK$1,763/mo
Today · 4.125%
HK$68,282
baseline
▲ 0.50% · 4.625%
HK$71,881
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,564/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,025 · Scale 2, in force from 26 Feb 2026)