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$32,237
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$1,019/mo
Today · 4.125%
HK$34,259
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,518/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$976/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$39,793
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,684
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,888
−HK$1,222/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,612
+HK$2,502/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,036
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,171/mo
Today · 4.125%
HK$45,361
baseline
▲ 0.50% · 4.625%
HK$47,752
+HK$2,391/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,722/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,132
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,536
−HK$1,426/mo
Today · 4.125%
HK$47,962
baseline
▲ 0.50% · 4.625%
HK$50,880
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,924/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,209
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,366/mo
Today · 4.125%
HK$52,921
baseline
▲ 0.50% · 4.625%
HK$55,711
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,842/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,027
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,833/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$65,418
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,554
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,285
−HK$1,757/mo
Today · 4.125%
HK$68,042
baseline
▲ 0.50% · 4.625%
HK$71,628
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,084/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,154 · Scale 2, in force from 26 Feb 2026)