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$32,236
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$1,019/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,342
+HK$2,084/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,516/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$976/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$1,992/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,683
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,887
−HK$1,222/mo
Today · 4.125%
HK$41,109
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,501/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$82,218/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,035
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,189
−HK$1,171/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,391/mo
Deposit HK$5.65M · loan HK$8.48M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,131
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,534
−HK$1,427/mo
Today · 4.125%
HK$47,961
baseline
▲ 0.50% · 4.625%
HK$50,879
+HK$2,918/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,922/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,207
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,554
−HK$1,366/mo
Today · 4.125%
HK$52,920
baseline
▲ 0.50% · 4.625%
HK$55,709
+HK$2,789/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,840/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,025
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,830
−HK$1,834/mo
Today · 4.125%
HK$61,664
baseline
▲ 0.50% · 4.625%
HK$65,416
+HK$3,752/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$123,328/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,552
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,283
−HK$1,757/mo
Today · 4.125%
HK$68,040
baseline
▲ 0.50% · 4.625%
HK$71,626
+HK$3,586/mo
Deposit HK$1.41M · loan HK$12.72M · min. income ≈ HK$136,080/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,140 · Scale 2, in force from 26 Feb 2026)