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$32,353
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$1,023/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$979/mo
Today · 4.125%
HK$37,937
baseline
▲ 0.50% · 4.625%
HK$39,937
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,874/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,031
−HK$1,227/mo
Today · 4.125%
HK$41,258
baseline
▲ 0.50% · 4.625%
HK$43,769
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,516/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,191
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,349
−HK$1,175/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,294
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,432/mo
Today · 4.125%
HK$48,135
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,928/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,270/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,389
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,741
−HK$1,371/mo
Today · 4.125%
HK$53,112
baseline
▲ 0.50% · 4.625%
HK$55,911
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,224/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,235
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,840/mo
Today · 4.125%
HK$61,887
baseline
▲ 0.50% · 4.625%
HK$65,653
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,774/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,786
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,524
−HK$1,763/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$71,886
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,063 · Scale 2, in force from 26 Feb 2026)