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$32,355
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,361
−HK$1,023/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,476
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$979/mo
Today · 4.125%
HK$37,939
baseline
▲ 0.50% · 4.625%
HK$39,939
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,878/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,826
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,034
−HK$1,227/mo
Today · 4.125%
HK$41,261
baseline
▲ 0.50% · 4.625%
HK$43,771
+HK$2,510/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,522/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,352
−HK$1,175/mo
Today · 4.125%
HK$45,527
baseline
▲ 0.50% · 4.625%
HK$47,927
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,054/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,297
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,706
−HK$1,432/mo
Today · 4.125%
HK$48,138
baseline
▲ 0.50% · 4.625%
HK$51,067
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,276/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,744
−HK$1,371/mo
Today · 4.125%
HK$53,115
baseline
▲ 0.50% · 4.625%
HK$55,915
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,230/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,239
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,051
−HK$1,840/mo
Today · 4.125%
HK$61,891
baseline
▲ 0.50% · 4.625%
HK$65,657
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,782/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,790
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,528
−HK$1,763/mo
Today · 4.125%
HK$68,291
baseline
▲ 0.50% · 4.625%
HK$71,890
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,582/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,095 · Scale 2, in force from 26 Feb 2026)