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$32,278
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$1,020/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,908
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$977/mo
Today · 4.125%
HK$37,848
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,696/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,733
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,938
−HK$1,224/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,090
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,246
−HK$1,172/mo
Today · 4.125%
HK$45,418
baseline
▲ 0.50% · 4.625%
HK$47,812
+HK$2,394/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,836/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,189
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,594
−HK$1,428/mo
Today · 4.125%
HK$48,022
baseline
▲ 0.50% · 4.625%
HK$50,944
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,044/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,272
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,620
−HK$1,368/mo
Today · 4.125%
HK$52,988
baseline
▲ 0.50% · 4.625%
HK$55,781
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,976/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,100
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,907
−HK$1,836/mo
Today · 4.125%
HK$61,743
baseline
▲ 0.50% · 4.625%
HK$65,500
+HK$3,757/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,486/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,635
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,369
−HK$1,758/mo
Today · 4.125%
HK$68,127
baseline
▲ 0.50% · 4.625%
HK$71,718
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,254/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,821 · Scale 2, in force from 26 Feb 2026)