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$32,256
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$1,019/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,365
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,885
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,847
−HK$977/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$39,817
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,708
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,912
−HK$1,223/mo
Today · 4.125%
HK$41,135
baseline
▲ 0.50% · 4.625%
HK$43,638
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,270/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,062
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,217
−HK$1,171/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$47,781
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,159
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,427/mo
Today · 4.125%
HK$47,991
baseline
▲ 0.50% · 4.625%
HK$50,911
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,982/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,239
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,586
−HK$1,367/mo
Today · 4.125%
HK$52,953
baseline
▲ 0.50% · 4.625%
HK$55,744
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,906/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,062
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,868
−HK$1,834/mo
Today · 4.125%
HK$61,702
baseline
▲ 0.50% · 4.625%
HK$65,457
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,404/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,593
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,325
−HK$1,758/mo
Today · 4.125%
HK$68,083
baseline
▲ 0.50% · 4.625%
HK$71,671
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,166/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,474 · Scale 2, in force from 26 Feb 2026)