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$32,273
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,277
−HK$1,020/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,904
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$976/mo
Today · 4.125%
HK$37,843
baseline
▲ 0.50% · 4.625%
HK$39,838
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,686/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,728
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,933
−HK$1,223/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,661
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,084
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,172/mo
Today · 4.125%
HK$45,412
baseline
▲ 0.50% · 4.625%
HK$47,806
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,824/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,588
−HK$1,428/mo
Today · 4.125%
HK$48,016
baseline
▲ 0.50% · 4.625%
HK$50,937
+HK$2,921/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,032/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,265
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,613
−HK$1,368/mo
Today · 4.125%
HK$52,981
baseline
▲ 0.50% · 4.625%
HK$55,773
+HK$2,792/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,962/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,092
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,899
−HK$1,836/mo
Today · 4.125%
HK$61,735
baseline
▲ 0.50% · 4.625%
HK$65,491
+HK$3,756/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,470/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,627
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,360
−HK$1,758/mo
Today · 4.125%
HK$68,118
baseline
▲ 0.50% · 4.625%
HK$71,709
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,236/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,750 · Scale 2, in force from 26 Feb 2026)