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$32,242
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$1,019/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$976/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,690
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,893
−HK$1,223/mo
Today · 4.125%
HK$41,116
baseline
▲ 0.50% · 4.625%
HK$43,618
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,232/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,042
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,196
−HK$1,172/mo
Today · 4.125%
HK$45,368
baseline
▲ 0.50% · 4.625%
HK$47,759
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,736/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,138
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,542
−HK$1,427/mo
Today · 4.125%
HK$47,969
baseline
▲ 0.50% · 4.625%
HK$50,888
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,938/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,216
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,563
−HK$1,366/mo
Today · 4.125%
HK$52,929
baseline
▲ 0.50% · 4.625%
HK$55,719
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,858/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,035
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,840
−HK$1,834/mo
Today · 4.125%
HK$61,674
baseline
▲ 0.50% · 4.625%
HK$65,427
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,348/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,563
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,295
−HK$1,756/mo
Today · 4.125%
HK$68,051
baseline
▲ 0.50% · 4.625%
HK$71,638
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,102/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,230 · Scale 2, in force from 26 Feb 2026)