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$32,289
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$1,021/mo
Today · 4.125%
HK$34,314
baseline
▲ 0.50% · 4.625%
HK$36,402
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,628/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$977/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,747
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,952
−HK$1,225/mo
Today · 4.125%
HK$41,177
baseline
▲ 0.50% · 4.625%
HK$43,682
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$82,354/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,106
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,262
−HK$1,172/mo
Today · 4.125%
HK$45,434
baseline
▲ 0.50% · 4.625%
HK$47,829
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$90,868/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,205
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,611
−HK$1,428/mo
Today · 4.125%
HK$48,039
baseline
▲ 0.50% · 4.625%
HK$50,963
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,078/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,290
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,639
−HK$1,368/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,120
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,928
−HK$1,837/mo
Today · 4.125%
HK$61,765
baseline
▲ 0.50% · 4.625%
HK$65,523
+HK$3,758/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,530/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,658
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,392
−HK$1,760/mo
Today · 4.125%
HK$68,152
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$3,592/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,304/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,011 · Scale 2, in force from 26 Feb 2026)