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$32,260
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$1,019/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$2,087/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,852
−HK$976/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$39,822
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,223/mo
Today · 4.125%
HK$41,140
baseline
▲ 0.50% · 4.625%
HK$43,643
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,280/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,067
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,222
−HK$1,172/mo
Today · 4.125%
HK$45,394
baseline
▲ 0.50% · 4.625%
HK$47,787
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,788/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,569
−HK$1,428/mo
Today · 4.125%
HK$47,997
baseline
▲ 0.50% · 4.625%
HK$50,917
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,994/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,245
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,593
−HK$1,367/mo
Today · 4.125%
HK$52,960
baseline
▲ 0.50% · 4.625%
HK$55,751
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,920/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,069
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,875
−HK$1,835/mo
Today · 4.125%
HK$61,710
baseline
▲ 0.50% · 4.625%
HK$65,465
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,420/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,601
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,333
−HK$1,758/mo
Today · 4.125%
HK$68,091
baseline
▲ 0.50% · 4.625%
HK$71,680
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,182/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,540 · Scale 2, in force from 26 Feb 2026)