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$32,336
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,342
−HK$1,022/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,455
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$978/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$39,916
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,803
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,227/mo
Today · 4.125%
HK$41,237
baseline
▲ 0.50% · 4.625%
HK$43,746
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,474/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,175/mo
Today · 4.125%
HK$45,501
baseline
▲ 0.50% · 4.625%
HK$47,899
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,002/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,271
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,679
−HK$1,431/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$51,037
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,714
−HK$1,370/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$55,882
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,205
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,016
−HK$1,839/mo
Today · 4.125%
HK$61,855
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,764/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,710/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,753
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$1,762/mo
Today · 4.125%
HK$68,251
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,502/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,786 · Scale 2, in force from 26 Feb 2026)