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$32,281
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$1,021/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,393
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$977/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,738
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,942
−HK$1,225/mo
Today · 4.125%
HK$41,167
baseline
▲ 0.50% · 4.625%
HK$43,672
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,334/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,095
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,251
−HK$1,172/mo
Today · 4.125%
HK$45,423
baseline
▲ 0.50% · 4.625%
HK$47,818
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,846/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,194
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,428/mo
Today · 4.125%
HK$48,028
baseline
▲ 0.50% · 4.625%
HK$50,950
+HK$2,922/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,056/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,278
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,626
−HK$1,368/mo
Today · 4.125%
HK$52,994
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,988/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,106
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,914
−HK$1,836/mo
Today · 4.125%
HK$61,750
baseline
▲ 0.50% · 4.625%
HK$65,507
+HK$3,757/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,500/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,643
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,376
−HK$1,759/mo
Today · 4.125%
HK$68,135
baseline
▲ 0.50% · 4.625%
HK$71,727
+HK$3,592/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,270/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,883 · Scale 2, in force from 26 Feb 2026)