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$32,322
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$1,021/mo
Today · 4.125%
HK$34,349
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,698/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$978/mo
Today · 4.125%
HK$37,901
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,802/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,226/mo
Today · 4.125%
HK$41,219
baseline
▲ 0.50% · 4.625%
HK$43,727
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,438/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,150
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,307
−HK$1,174/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,251
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,659
−HK$1,430/mo
Today · 4.125%
HK$48,089
baseline
▲ 0.50% · 4.625%
HK$51,015
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,178/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,342
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,692
−HK$1,369/mo
Today · 4.125%
HK$53,061
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,122/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,180
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,990
−HK$1,839/mo
Today · 4.125%
HK$61,829
baseline
▲ 0.50% · 4.625%
HK$65,591
+HK$3,762/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,658/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,725
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,461
−HK$1,761/mo
Today · 4.125%
HK$68,222
baseline
▲ 0.50% · 4.625%
HK$71,818
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,444/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,558 · Scale 2, in force from 26 Feb 2026)