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$32,288
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$1,020/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,884
−HK$977/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,951
−HK$1,225/mo
Today · 4.125%
HK$41,176
baseline
▲ 0.50% · 4.625%
HK$43,681
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$82,352/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,104
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,260
−HK$1,173/mo
Today · 4.125%
HK$45,433
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$90,866/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,204
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,610
−HK$1,428/mo
Today · 4.125%
HK$48,038
baseline
▲ 0.50% · 4.625%
HK$50,961
+HK$2,923/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,076/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,288
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,637
−HK$1,368/mo
Today · 4.125%
HK$53,005
baseline
▲ 0.50% · 4.625%
HK$55,799
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,010/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,836/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,522
+HK$3,759/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,657
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,391
−HK$1,759/mo
Today · 4.125%
HK$68,150
baseline
▲ 0.50% · 4.625%
HK$71,742
+HK$3,592/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,300/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,997 · Scale 2, in force from 26 Feb 2026)