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$32,249
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$1,019/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,356
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,876
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$976/mo
Today · 4.125%
HK$37,814
baseline
▲ 0.50% · 4.625%
HK$39,808
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,628/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,698
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,902
−HK$1,223/mo
Today · 4.125%
HK$41,125
baseline
▲ 0.50% · 4.625%
HK$43,627
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,250/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,051
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,206
−HK$1,171/mo
Today · 4.125%
HK$45,377
baseline
▲ 0.50% · 4.625%
HK$47,769
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,754/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,148
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,427/mo
Today · 4.125%
HK$47,979
baseline
▲ 0.50% · 4.625%
HK$50,899
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,958/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,227
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,574
−HK$1,366/mo
Today · 4.125%
HK$52,940
baseline
▲ 0.50% · 4.625%
HK$55,731
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,880/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,047
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,853
−HK$1,834/mo
Today · 4.125%
HK$61,687
baseline
▲ 0.50% · 4.625%
HK$65,441
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,374/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,577
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,309
−HK$1,757/mo
Today · 4.125%
HK$68,066
baseline
▲ 0.50% · 4.625%
HK$71,654
+HK$3,588/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,132/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,345 · Scale 2, in force from 26 Feb 2026)