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$32,327
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$1,021/mo
Today · 4.125%
HK$34,354
baseline
▲ 0.50% · 4.625%
HK$36,445
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,708/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,963
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$978/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,226/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,156
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,174/mo
Today · 4.125%
HK$45,488
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,976/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,258
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,666
−HK$1,430/mo
Today · 4.125%
HK$48,096
baseline
▲ 0.50% · 4.625%
HK$51,022
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,192/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,349
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,699
−HK$1,370/mo
Today · 4.125%
HK$53,069
baseline
▲ 0.50% · 4.625%
HK$55,866
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,138/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,189
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,999
−HK$1,839/mo
Today · 4.125%
HK$61,838
baseline
▲ 0.50% · 4.625%
HK$65,600
+HK$3,762/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,676/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,734
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,470
−HK$1,762/mo
Today · 4.125%
HK$68,232
baseline
▲ 0.50% · 4.625%
HK$71,828
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,464/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,635 · Scale 2, in force from 26 Feb 2026)