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$32,255
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,258
−HK$1,019/mo
Today · 4.125%
HK$34,277
baseline
▲ 0.50% · 4.625%
HK$36,363
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,554/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,883
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$977/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$39,815
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,706
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,223/mo
Today · 4.125%
HK$41,133
baseline
▲ 0.50% · 4.625%
HK$43,636
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,266/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,060
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,215
−HK$1,171/mo
Today · 4.125%
HK$45,386
baseline
▲ 0.50% · 4.625%
HK$47,778
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,772/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,427/mo
Today · 4.125%
HK$47,988
baseline
▲ 0.50% · 4.625%
HK$50,908
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,976/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,236
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,584
−HK$1,366/mo
Today · 4.125%
HK$52,950
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,900/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,059
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,865
−HK$1,834/mo
Today · 4.125%
HK$61,699
baseline
▲ 0.50% · 4.625%
HK$65,454
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,398/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,590
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,322
−HK$1,757/mo
Today · 4.125%
HK$68,079
baseline
▲ 0.50% · 4.625%
HK$71,668
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,158/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,447 · Scale 2, in force from 26 Feb 2026)