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$32,329
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,335
−HK$1,022/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,931
−HK$978/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$39,907
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,002
−HK$1,226/mo
Today · 4.125%
HK$41,228
baseline
▲ 0.50% · 4.625%
HK$43,737
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,456/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,159
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,317
−HK$1,174/mo
Today · 4.125%
HK$45,491
baseline
▲ 0.50% · 4.625%
HK$47,889
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,982/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,669
−HK$1,430/mo
Today · 4.125%
HK$48,099
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,198/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,352
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,703
−HK$1,370/mo
Today · 4.125%
HK$53,073
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,146/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,193
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,003
−HK$1,839/mo
Today · 4.125%
HK$61,842
baseline
▲ 0.50% · 4.625%
HK$65,605
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,684/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,739
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,475
−HK$1,762/mo
Today · 4.125%
HK$68,237
baseline
▲ 0.50% · 4.625%
HK$71,833
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,474/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,673 · Scale 2, in force from 26 Feb 2026)