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$32,302
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$1,021/mo
Today · 4.125%
HK$34,328
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,656/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,936
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$977/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,763
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,969
−HK$1,225/mo
Today · 4.125%
HK$41,194
baseline
▲ 0.50% · 4.625%
HK$43,700
+HK$2,506/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,388/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,123
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,173/mo
Today · 4.125%
HK$45,453
baseline
▲ 0.50% · 4.625%
HK$47,849
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,906/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,223
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,630
−HK$1,429/mo
Today · 4.125%
HK$48,059
baseline
▲ 0.50% · 4.625%
HK$50,983
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,118/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,310
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,660
−HK$1,368/mo
Today · 4.125%
HK$53,028
baseline
▲ 0.50% · 4.625%
HK$55,824
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,056/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,144
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,953
−HK$1,837/mo
Today · 4.125%
HK$61,790
baseline
▲ 0.50% · 4.625%
HK$65,550
+HK$3,760/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,580/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,685
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,420
−HK$1,759/mo
Today · 4.125%
HK$68,179
baseline
▲ 0.50% · 4.625%
HK$71,773
+HK$3,594/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,358/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,229 · Scale 2, in force from 26 Feb 2026)