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$32,306
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,311
−HK$1,021/mo
Today · 4.125%
HK$34,332
baseline
▲ 0.50% · 4.625%
HK$36,421
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,664/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,940
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,904
−HK$977/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$39,878
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,767
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,225/mo
Today · 4.125%
HK$41,198
baseline
▲ 0.50% · 4.625%
HK$43,705
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,396/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,128
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,284
−HK$1,174/mo
Today · 4.125%
HK$45,458
baseline
▲ 0.50% · 4.625%
HK$47,854
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,916/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,228
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,429/mo
Today · 4.125%
HK$48,064
baseline
▲ 0.50% · 4.625%
HK$50,989
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,128/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,369/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,150
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,838/mo
Today · 4.125%
HK$61,797
baseline
▲ 0.50% · 4.625%
HK$65,557
+HK$3,760/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,594/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,692
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,426
−HK$1,761/mo
Today · 4.125%
HK$68,187
baseline
▲ 0.50% · 4.625%
HK$71,781
+HK$3,594/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,374/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,284 · Scale 2, in force from 26 Feb 2026)