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$32,247
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$1,019/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$976/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,697
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,900
−HK$1,223/mo
Today · 4.125%
HK$41,123
baseline
▲ 0.50% · 4.625%
HK$43,625
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,246/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,050
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,204
−HK$1,171/mo
Today · 4.125%
HK$45,375
baseline
▲ 0.50% · 4.625%
HK$47,767
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,750/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,146
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,550
−HK$1,427/mo
Today · 4.125%
HK$47,977
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,954/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,225
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,572
−HK$1,366/mo
Today · 4.125%
HK$52,938
baseline
▲ 0.50% · 4.625%
HK$55,728
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,876/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,045
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,850
−HK$1,835/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$65,438
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,574
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,306
−HK$1,757/mo
Today · 4.125%
HK$68,063
baseline
▲ 0.50% · 4.625%
HK$71,651
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,126/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,322 · Scale 2, in force from 26 Feb 2026)