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$32,354
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$1,023/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,475
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,994
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$979/mo
Today · 4.125%
HK$37,938
baseline
▲ 0.50% · 4.625%
HK$39,938
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,876/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,825
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,227/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,770
+HK$2,510/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,192
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,351
−HK$1,175/mo
Today · 4.125%
HK$45,526
baseline
▲ 0.50% · 4.625%
HK$47,926
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,052/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,296
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,705
−HK$1,431/mo
Today · 4.125%
HK$48,136
baseline
▲ 0.50% · 4.625%
HK$51,065
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,272/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,391
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,742
−HK$1,372/mo
Today · 4.125%
HK$53,114
baseline
▲ 0.50% · 4.625%
HK$55,913
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,228/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,237
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,049
−HK$1,840/mo
Today · 4.125%
HK$61,889
baseline
▲ 0.50% · 4.625%
HK$65,655
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,778/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$1,763/mo
Today · 4.125%
HK$68,289
baseline
▲ 0.50% · 4.625%
HK$71,888
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,578/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,080 · Scale 2, in force from 26 Feb 2026)