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$32,238
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$1,019/mo
Today · 4.125%
HK$34,259
baseline
▲ 0.50% · 4.625%
HK$36,344
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,518/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$976/mo
Today · 4.125%
HK$37,802
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,604/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,685
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,888
−HK$1,223/mo
Today · 4.125%
HK$41,111
baseline
▲ 0.50% · 4.625%
HK$43,612
+HK$2,501/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,222/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,037
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,171/mo
Today · 4.125%
HK$45,362
baseline
▲ 0.50% · 4.625%
HK$47,753
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,724/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,536
−HK$1,427/mo
Today · 4.125%
HK$47,963
baseline
▲ 0.50% · 4.625%
HK$50,881
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,926/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,209
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,366/mo
Today · 4.125%
HK$52,922
baseline
▲ 0.50% · 4.625%
HK$55,712
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,844/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,028
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,834/mo
Today · 4.125%
HK$61,666
baseline
▲ 0.50% · 4.625%
HK$65,419
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,332/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,555
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,286
−HK$1,757/mo
Today · 4.125%
HK$68,043
baseline
▲ 0.50% · 4.625%
HK$71,629
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,086/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,163 · Scale 2, in force from 26 Feb 2026)