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$32,261
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$1,020/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,890
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,852
−HK$977/mo
Today · 4.125%
HK$37,829
baseline
▲ 0.50% · 4.625%
HK$39,823
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,658/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,224/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,644
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,068
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,223
−HK$1,172/mo
Today · 4.125%
HK$45,395
baseline
▲ 0.50% · 4.625%
HK$47,787
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,790/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,570
−HK$1,427/mo
Today · 4.125%
HK$47,997
baseline
▲ 0.50% · 4.625%
HK$50,918
+HK$2,921/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,994/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,246
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,593
−HK$1,367/mo
Today · 4.125%
HK$52,960
baseline
▲ 0.50% · 4.625%
HK$55,752
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,920/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,069
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,876
−HK$1,835/mo
Today · 4.125%
HK$61,711
baseline
▲ 0.50% · 4.625%
HK$65,466
+HK$3,755/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,422/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,602
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,334
−HK$1,758/mo
Today · 4.125%
HK$68,092
baseline
▲ 0.50% · 4.625%
HK$71,681
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,184/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,545 · Scale 2, in force from 26 Feb 2026)