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$32,340
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$1,022/mo
Today · 4.125%
HK$34,368
baseline
▲ 0.50% · 4.625%
HK$36,460
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,736/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,978
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$979/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,808
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,016
−HK$1,226/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,332
−HK$1,174/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,276
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,685
−HK$1,431/mo
Today · 4.125%
HK$48,116
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,232/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,370
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,720
−HK$1,371/mo
Today · 4.125%
HK$53,091
baseline
▲ 0.50% · 4.625%
HK$55,889
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,182/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,213
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,023
−HK$1,840/mo
Today · 4.125%
HK$61,863
baseline
▲ 0.50% · 4.625%
HK$65,627
+HK$3,764/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,726/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,761
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,498
−HK$1,762/mo
Today · 4.125%
HK$68,260
baseline
▲ 0.50% · 4.625%
HK$71,858
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,520/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,854 · Scale 2, in force from 26 Feb 2026)