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$32,240
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$1,019/mo
Today · 4.125%
HK$34,262
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,524/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$976/mo
Today · 4.125%
HK$37,804
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,608/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,688
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,891
−HK$1,223/mo
Today · 4.125%
HK$41,114
baseline
▲ 0.50% · 4.625%
HK$43,616
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,228/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,040
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,194
−HK$1,171/mo
Today · 4.125%
HK$45,365
baseline
▲ 0.50% · 4.625%
HK$47,756
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,730/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,136
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,540
−HK$1,426/mo
Today · 4.125%
HK$47,966
baseline
▲ 0.50% · 4.625%
HK$50,885
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,932/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,213
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,560
−HK$1,366/mo
Today · 4.125%
HK$52,926
baseline
▲ 0.50% · 4.625%
HK$55,716
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,852/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,032
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,837
−HK$1,834/mo
Today · 4.125%
HK$61,671
baseline
▲ 0.50% · 4.625%
HK$65,423
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,342/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,560
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,291
−HK$1,757/mo
Today · 4.125%
HK$68,048
baseline
▲ 0.50% · 4.625%
HK$71,635
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,096/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,202 · Scale 2, in force from 26 Feb 2026)