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$32,251
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$1,019/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,359
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,842
−HK$976/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,702
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,905
−HK$1,224/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,055
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,210
−HK$1,171/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,152
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,556
−HK$1,427/mo
Today · 4.125%
HK$47,983
baseline
▲ 0.50% · 4.625%
HK$50,903
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,966/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,231
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,578
−HK$1,367/mo
Today · 4.125%
HK$52,945
baseline
▲ 0.50% · 4.625%
HK$55,736
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,890/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,052
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,858
−HK$1,835/mo
Today · 4.125%
HK$61,693
baseline
▲ 0.50% · 4.625%
HK$65,447
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,386/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,583
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,315
−HK$1,757/mo
Today · 4.125%
HK$68,072
baseline
▲ 0.50% · 4.625%
HK$71,660
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,144/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,391 · Scale 2, in force from 26 Feb 2026)