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$32,318
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,324
−HK$1,021/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,435
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,954
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,918
−HK$978/mo
Today · 4.125%
HK$37,896
baseline
▲ 0.50% · 4.625%
HK$39,894
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,792/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,782
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,225/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,722
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,145
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,174/mo
Today · 4.125%
HK$45,476
baseline
▲ 0.50% · 4.625%
HK$47,873
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,952/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,246
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,653
−HK$1,430/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$51,009
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,336
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,686
−HK$1,369/mo
Today · 4.125%
HK$53,055
baseline
▲ 0.50% · 4.625%
HK$55,852
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,110/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,173
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,983
−HK$1,838/mo
Today · 4.125%
HK$61,821
baseline
▲ 0.50% · 4.625%
HK$65,583
+HK$3,762/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,642/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,717
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,453
−HK$1,761/mo
Today · 4.125%
HK$68,214
baseline
▲ 0.50% · 4.625%
HK$71,809
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,428/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,495 · Scale 2, in force from 26 Feb 2026)