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$32,269
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,272
−HK$1,020/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,899
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,861
−HK$977/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,723
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,927
−HK$1,224/mo
Today · 4.125%
HK$41,151
baseline
▲ 0.50% · 4.625%
HK$43,655
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,302/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,078
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,234
−HK$1,172/mo
Today · 4.125%
HK$45,406
baseline
▲ 0.50% · 4.625%
HK$47,799
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,812/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,176
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,581
−HK$1,428/mo
Today · 4.125%
HK$48,009
baseline
▲ 0.50% · 4.625%
HK$50,930
+HK$2,921/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,018/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,258
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,367/mo
Today · 4.125%
HK$52,973
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,946/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,084
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,890
−HK$1,836/mo
Today · 4.125%
HK$61,726
baseline
▲ 0.50% · 4.625%
HK$65,482
+HK$3,756/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,452/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,618
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,351
−HK$1,758/mo
Today · 4.125%
HK$68,109
baseline
▲ 0.50% · 4.625%
HK$71,699
+HK$3,590/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,218/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,677 · Scale 2, in force from 26 Feb 2026)