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$32,353
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$1,022/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$979/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$39,936
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,823
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,031
−HK$1,227/mo
Today · 4.125%
HK$41,258
baseline
▲ 0.50% · 4.625%
HK$43,768
+HK$2,510/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,516/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,190
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,349
−HK$1,175/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$47,923
+HK$2,399/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,294
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,431/mo
Today · 4.125%
HK$48,134
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,268/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,389
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,740
−HK$1,371/mo
Today · 4.125%
HK$53,111
baseline
▲ 0.50% · 4.625%
HK$55,911
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,222/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,235
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,046
−HK$1,841/mo
Today · 4.125%
HK$61,887
baseline
▲ 0.50% · 4.625%
HK$65,652
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,774/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,786
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,523
−HK$1,763/mo
Today · 4.125%
HK$68,286
baseline
▲ 0.50% · 4.625%
HK$71,885
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,572/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,056 · Scale 2, in force from 26 Feb 2026)