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$32,272
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$1,020/mo
Today · 4.125%
HK$34,296
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,592/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,903
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,865
−HK$977/mo
Today · 4.125%
HK$37,842
baseline
▲ 0.50% · 4.625%
HK$39,837
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,684/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,727
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,931
−HK$1,224/mo
Today · 4.125%
HK$41,155
baseline
▲ 0.50% · 4.625%
HK$43,659
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,310/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,172/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$47,804
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,181
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,587
−HK$1,427/mo
Today · 4.125%
HK$48,014
baseline
▲ 0.50% · 4.625%
HK$50,936
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,028/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,264
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,612
−HK$1,367/mo
Today · 4.125%
HK$52,979
baseline
▲ 0.50% · 4.625%
HK$55,772
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,958/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,090
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,897
−HK$1,836/mo
Today · 4.125%
HK$61,733
baseline
▲ 0.50% · 4.625%
HK$65,489
+HK$3,756/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,466/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,625
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,358
−HK$1,758/mo
Today · 4.125%
HK$68,116
baseline
▲ 0.50% · 4.625%
HK$71,707
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,232/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,734 · Scale 2, in force from 26 Feb 2026)