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$32,241
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$1,019/mo
Today · 4.125%
HK$34,262
baseline
▲ 0.50% · 4.625%
HK$36,347
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,524/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$976/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$39,798
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,689
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,223/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,617
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,041
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,195
−HK$1,171/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$47,757
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,137
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,541
−HK$1,426/mo
Today · 4.125%
HK$47,967
baseline
▲ 0.50% · 4.625%
HK$50,886
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,934/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,214
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,561
−HK$1,366/mo
Today · 4.125%
HK$52,927
baseline
▲ 0.50% · 4.625%
HK$55,717
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,854/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,033
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,838
−HK$1,834/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,561
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$1,756/mo
Today · 4.125%
HK$68,049
baseline
▲ 0.50% · 4.625%
HK$71,636
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,213 · Scale 2, in force from 26 Feb 2026)