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$32,346
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,353
−HK$1,022/mo
Today · 4.125%
HK$34,375
baseline
▲ 0.50% · 4.625%
HK$36,466
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,750/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,985
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,950
−HK$979/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$39,928
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,816
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,023
−HK$1,227/mo
Today · 4.125%
HK$41,250
baseline
▲ 0.50% · 4.625%
HK$43,760
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,500/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,182
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,340
−HK$1,175/mo
Today · 4.125%
HK$45,515
baseline
▲ 0.50% · 4.625%
HK$47,914
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,030/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,285
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,694
−HK$1,431/mo
Today · 4.125%
HK$48,125
baseline
▲ 0.50% · 4.625%
HK$51,053
+HK$2,928/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,250/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,371/mo
Today · 4.125%
HK$53,101
baseline
▲ 0.50% · 4.625%
HK$55,900
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,202/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,223
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,840/mo
Today · 4.125%
HK$61,875
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,750/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,773
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,510
−HK$1,763/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$71,871
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,953 · Scale 2, in force from 26 Feb 2026)