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$32,324
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,329
−HK$1,022/mo
Today · 4.125%
HK$34,351
baseline
▲ 0.50% · 4.625%
HK$36,441
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,702/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,960
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,924
−HK$979/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$39,901
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,789
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,995
−HK$1,226/mo
Today · 4.125%
HK$41,221
baseline
▲ 0.50% · 4.625%
HK$43,729
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,442/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,309
−HK$1,174/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,253
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,661
−HK$1,430/mo
Today · 4.125%
HK$48,091
baseline
▲ 0.50% · 4.625%
HK$51,017
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,182/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,344
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,694
−HK$1,370/mo
Today · 4.125%
HK$53,064
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,128/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,183
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,993
−HK$1,838/mo
Today · 4.125%
HK$61,831
baseline
▲ 0.50% · 4.625%
HK$65,594
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,662/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,728
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,464
−HK$1,761/mo
Today · 4.125%
HK$68,225
baseline
▲ 0.50% · 4.625%
HK$71,821
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,450/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,582 · Scale 2, in force from 26 Feb 2026)