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$32,264
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,267
−HK$1,020/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,373
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,893
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$976/mo
Today · 4.125%
HK$37,832
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$1,995/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,664/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,223/mo
Today · 4.125%
HK$41,144
baseline
▲ 0.50% · 4.625%
HK$43,648
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,288/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,072
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,172/mo
Today · 4.125%
HK$45,399
baseline
▲ 0.50% · 4.625%
HK$47,792
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,798/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,169
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,574
−HK$1,428/mo
Today · 4.125%
HK$48,002
baseline
▲ 0.50% · 4.625%
HK$50,923
+HK$2,921/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$96,004/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,250
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,598
−HK$1,367/mo
Today · 4.125%
HK$52,965
baseline
▲ 0.50% · 4.625%
HK$55,757
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,930/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,075
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,881
−HK$1,836/mo
Today · 4.125%
HK$61,717
baseline
▲ 0.50% · 4.625%
HK$65,472
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,434/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,608
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,340
−HK$1,758/mo
Today · 4.125%
HK$68,098
baseline
▲ 0.50% · 4.625%
HK$71,688
+HK$3,590/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,196/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,595 · Scale 2, in force from 26 Feb 2026)