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$32,338
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,344
−HK$1,021/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,457
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,975
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,940
−HK$979/mo
Today · 4.125%
HK$37,919
baseline
▲ 0.50% · 4.625%
HK$39,918
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,838/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,227/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,748
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,175/mo
Today · 4.125%
HK$45,503
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,006/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,431/mo
Today · 4.125%
HK$48,112
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,224/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,370/mo
Today · 4.125%
HK$53,086
baseline
▲ 0.50% · 4.625%
HK$55,885
+HK$2,799/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,172/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,208
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,018
−HK$1,840/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,622
+HK$3,764/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,492
−HK$1,762/mo
Today · 4.125%
HK$68,254
baseline
▲ 0.50% · 4.625%
HK$71,852
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,508/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,809 · Scale 2, in force from 26 Feb 2026)