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$32,286
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,291
−HK$1,020/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,399
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,882
−HK$977/mo
Today · 4.125%
HK$37,859
baseline
▲ 0.50% · 4.625%
HK$39,854
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,718/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,744
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,224/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,678
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,102
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,172/mo
Today · 4.125%
HK$45,430
baseline
▲ 0.50% · 4.625%
HK$47,825
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$90,860/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,201
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,607
−HK$1,428/mo
Today · 4.125%
HK$48,035
baseline
▲ 0.50% · 4.625%
HK$50,958
+HK$2,923/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,070/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,285
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,634
−HK$1,368/mo
Today · 4.125%
HK$53,002
baseline
▲ 0.50% · 4.625%
HK$55,796
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,004/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,115
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,837/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,518
+HK$3,758/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,653
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,387
−HK$1,759/mo
Today · 4.125%
HK$68,146
baseline
▲ 0.50% · 4.625%
HK$71,738
+HK$3,592/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,292/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,966 · Scale 2, in force from 26 Feb 2026)