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$32,272
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$1,020/mo
Today · 4.125%
HK$34,296
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,592/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,865
−HK$977/mo
Today · 4.125%
HK$37,842
baseline
▲ 0.50% · 4.625%
HK$39,837
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,684/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,726
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,931
−HK$1,224/mo
Today · 4.125%
HK$41,155
baseline
▲ 0.50% · 4.625%
HK$43,659
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,310/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,238
−HK$1,172/mo
Today · 4.125%
HK$45,410
baseline
▲ 0.50% · 4.625%
HK$47,804
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,820/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,181
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,586
−HK$1,428/mo
Today · 4.125%
HK$48,014
baseline
▲ 0.50% · 4.625%
HK$50,936
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,028/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,263
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,611
−HK$1,368/mo
Today · 4.125%
HK$52,979
baseline
▲ 0.50% · 4.625%
HK$55,771
+HK$2,792/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,958/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,090
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,896
−HK$1,836/mo
Today · 4.125%
HK$61,732
baseline
▲ 0.50% · 4.625%
HK$65,489
+HK$3,757/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,464/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,624
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,357
−HK$1,759/mo
Today · 4.125%
HK$68,116
baseline
▲ 0.50% · 4.625%
HK$71,706
+HK$3,590/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,232/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,730 · Scale 2, in force from 26 Feb 2026)