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$32,242
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$1,019/mo
Today · 4.125%
HK$34,264
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,528/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,869
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,831
−HK$976/mo
Today · 4.125%
HK$37,807
baseline
▲ 0.50% · 4.625%
HK$39,800
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,614/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,691
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,223/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,619
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,197
−HK$1,172/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$47,760
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,139
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,543
−HK$1,427/mo
Today · 4.125%
HK$47,970
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,940/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,217
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,564
−HK$1,366/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$55,720
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,036
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,841
−HK$1,835/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$65,428
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,296
−HK$1,757/mo
Today · 4.125%
HK$68,053
baseline
▲ 0.50% · 4.625%
HK$71,640
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,106/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,242 · Scale 2, in force from 26 Feb 2026)