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$32,301
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,306
−HK$1,020/mo
Today · 4.125%
HK$34,326
baseline
▲ 0.50% · 4.625%
HK$36,415
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,652/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$978/mo
Today · 4.125%
HK$37,876
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,752/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,761
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,967
−HK$1,225/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,506/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,384/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,121
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,278
−HK$1,173/mo
Today · 4.125%
HK$45,451
baseline
▲ 0.50% · 4.625%
HK$47,847
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,902/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,221
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,628
−HK$1,429/mo
Today · 4.125%
HK$48,057
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,114/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,308
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,369/mo
Today · 4.125%
HK$53,026
baseline
▲ 0.50% · 4.625%
HK$55,821
+HK$2,795/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,052/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,142
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,950
−HK$1,838/mo
Today · 4.125%
HK$61,788
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,759/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,576/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,682
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,417
−HK$1,760/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$71,770
+HK$3,593/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,206 · Scale 2, in force from 26 Feb 2026)