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$32,265
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$1,020/mo
Today · 4.125%
HK$34,288
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,576/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$976/mo
Today · 4.125%
HK$37,833
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$1,995/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,666/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,223/mo
Today · 4.125%
HK$41,145
baseline
▲ 0.50% · 4.625%
HK$43,649
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,290/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,073
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,172/mo
Today · 4.125%
HK$45,400
baseline
▲ 0.50% · 4.625%
HK$47,793
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,800/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,170
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,575
−HK$1,428/mo
Today · 4.125%
HK$48,003
baseline
▲ 0.50% · 4.625%
HK$50,924
+HK$2,921/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$96,006/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,252
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,599
−HK$1,368/mo
Today · 4.125%
HK$52,967
baseline
▲ 0.50% · 4.625%
HK$55,759
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,934/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,076
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,883
−HK$1,835/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$65,474
+HK$3,756/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,609
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,342
−HK$1,758/mo
Today · 4.125%
HK$68,100
baseline
▲ 0.50% · 4.625%
HK$71,690
+HK$3,590/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,200/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,608 · Scale 2, in force from 26 Feb 2026)