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$32,313
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$1,021/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$2,089/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,948
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,913
−HK$978/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$39,888
+HK$1,997/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,776
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,982
−HK$1,226/mo
Today · 4.125%
HK$41,208
baseline
▲ 0.50% · 4.625%
HK$43,715
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,416/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,138
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,295
−HK$1,174/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$47,865
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,239
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,430/mo
Today · 4.125%
HK$48,076
baseline
▲ 0.50% · 4.625%
HK$51,001
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,152/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,328
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,678
−HK$1,369/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,164
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,973
−HK$1,839/mo
Today · 4.125%
HK$61,812
baseline
▲ 0.50% · 4.625%
HK$65,573
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,624/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,707
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,443
−HK$1,760/mo
Today · 4.125%
HK$68,203
baseline
▲ 0.50% · 4.625%
HK$71,798
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,406/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,412 · Scale 2, in force from 26 Feb 2026)