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$32,244
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$1,019/mo
Today · 4.125%
HK$34,266
baseline
▲ 0.50% · 4.625%
HK$36,351
+HK$2,085/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,532/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,871
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,833
−HK$976/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$39,802
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,693
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,223/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,621
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,045
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,171/mo
Today · 4.125%
HK$45,371
baseline
▲ 0.50% · 4.625%
HK$47,762
+HK$2,391/mo
Deposit HK$5.66M · loan HK$8.48M · min. income ≈ HK$90,742/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,546
−HK$1,426/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,919/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,219
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,566
−HK$1,367/mo
Today · 4.125%
HK$52,933
baseline
▲ 0.50% · 4.625%
HK$55,723
+HK$2,790/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,866/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,039
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,844
−HK$1,834/mo
Today · 4.125%
HK$61,678
baseline
▲ 0.50% · 4.625%
HK$65,431
+HK$3,753/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,356/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,568
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,299
−HK$1,757/mo
Today · 4.125%
HK$68,056
baseline
▲ 0.50% · 4.625%
HK$71,643
+HK$3,587/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,112/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,267 · Scale 2, in force from 26 Feb 2026)