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$32,239
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$1,019/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,866
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$976/mo
Today · 4.125%
HK$37,804
baseline
▲ 0.50% · 4.625%
HK$39,796
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,608/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,687
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,891
−HK$1,222/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,039
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,171/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$47,756
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,135
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,426/mo
Today · 4.125%
HK$47,965
baseline
▲ 0.50% · 4.625%
HK$50,884
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,930/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,212
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,559
−HK$1,366/mo
Today · 4.125%
HK$52,925
baseline
▲ 0.50% · 4.625%
HK$55,715
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,850/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,031
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,836
−HK$1,834/mo
Today · 4.125%
HK$61,670
baseline
▲ 0.50% · 4.625%
HK$65,422
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,340/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,559
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,290
−HK$1,756/mo
Today · 4.125%
HK$68,046
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,092/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,192 · Scale 2, in force from 26 Feb 2026)