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$32,308
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,312
−HK$1,021/mo
Today · 4.125%
HK$34,333
baseline
▲ 0.50% · 4.625%
HK$36,423
+HK$2,090/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,666/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,942
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,906
−HK$978/mo
Today · 4.125%
HK$37,884
baseline
▲ 0.50% · 4.625%
HK$39,881
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,768/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,769
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,975
−HK$1,225/mo
Today · 4.125%
HK$41,200
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,400/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,130
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,287
−HK$1,173/mo
Today · 4.125%
HK$45,460
baseline
▲ 0.50% · 4.625%
HK$47,857
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,920/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,430/mo
Today · 4.125%
HK$48,067
baseline
▲ 0.50% · 4.625%
HK$50,992
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,134/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,319
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,668
−HK$1,369/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$55,833
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,154
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,962
−HK$1,838/mo
Today · 4.125%
HK$61,800
baseline
▲ 0.50% · 4.625%
HK$65,561
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,600/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,695
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,430
−HK$1,761/mo
Today · 4.125%
HK$68,191
baseline
▲ 0.50% · 4.625%
HK$71,785
+HK$3,594/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,382/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,315 · Scale 2, in force from 26 Feb 2026)