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$32,291
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,295
−HK$1,021/mo
Today · 4.125%
HK$34,316
baseline
▲ 0.50% · 4.625%
HK$36,404
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,632/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,923
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,887
−HK$977/mo
Today · 4.125%
HK$37,864
baseline
▲ 0.50% · 4.625%
HK$39,860
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,728/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,749
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,954
−HK$1,225/mo
Today · 4.125%
HK$41,179
baseline
▲ 0.50% · 4.625%
HK$43,685
+HK$2,506/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$82,358/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,108
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,264
−HK$1,173/mo
Today · 4.125%
HK$45,437
baseline
▲ 0.50% · 4.625%
HK$47,832
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$90,874/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,207
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,614
−HK$1,428/mo
Today · 4.125%
HK$48,042
baseline
▲ 0.50% · 4.625%
HK$50,965
+HK$2,923/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,084/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,293
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,642
−HK$1,368/mo
Today · 4.125%
HK$53,010
baseline
▲ 0.50% · 4.625%
HK$55,804
+HK$2,794/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,020/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,124
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,932
−HK$1,837/mo
Today · 4.125%
HK$61,769
baseline
▲ 0.50% · 4.625%
HK$65,527
+HK$3,758/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,538/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,662
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,396
−HK$1,760/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$71,748
+HK$3,592/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,042 · Scale 2, in force from 26 Feb 2026)