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$32,250
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$1,019/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,358
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,878
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$976/mo
Today · 4.125%
HK$37,817
baseline
▲ 0.50% · 4.625%
HK$39,810
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,634/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,223/mo
Today · 4.125%
HK$41,127
baseline
▲ 0.50% · 4.625%
HK$43,630
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,254/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,054
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,171/mo
Today · 4.125%
HK$45,380
baseline
▲ 0.50% · 4.625%
HK$47,772
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,760/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,151
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,555
−HK$1,427/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,964/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,230
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,366/mo
Today · 4.125%
HK$52,943
baseline
▲ 0.50% · 4.625%
HK$55,734
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,886/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,051
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,857
−HK$1,834/mo
Today · 4.125%
HK$61,691
baseline
▲ 0.50% · 4.625%
HK$65,445
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,382/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,581
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,313
−HK$1,757/mo
Today · 4.125%
HK$68,070
baseline
▲ 0.50% · 4.625%
HK$71,658
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,140/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,376 · Scale 2, in force from 26 Feb 2026)