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$32,340
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$1,022/mo
Today · 4.125%
HK$34,368
baseline
▲ 0.50% · 4.625%
HK$36,459
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,736/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,978
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$978/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$39,920
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,808
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,015
−HK$1,226/mo
Today · 4.125%
HK$41,241
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,482/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,173
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,331
−HK$1,175/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$47,904
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,276
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,684
−HK$1,431/mo
Today · 4.125%
HK$48,115
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,928/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,230/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,369
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,720
−HK$1,370/mo
Today · 4.125%
HK$53,090
baseline
▲ 0.50% · 4.625%
HK$55,888
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,180/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,212
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,022
−HK$1,840/mo
Today · 4.125%
HK$61,862
baseline
▲ 0.50% · 4.625%
HK$65,626
+HK$3,764/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,724/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,760
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,497
−HK$1,762/mo
Today · 4.125%
HK$68,259
baseline
▲ 0.50% · 4.625%
HK$71,857
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,518/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,845 · Scale 2, in force from 26 Feb 2026)