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$32,285
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$1,020/mo
Today · 4.125%
HK$34,310
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,620/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,917
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,880
−HK$978/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$39,853
+HK$1,995/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,947
−HK$1,225/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,677
+HK$2,505/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,256
−HK$1,173/mo
Today · 4.125%
HK$45,429
baseline
▲ 0.50% · 4.625%
HK$47,824
+HK$2,395/mo
Deposit HK$5.66M · loan HK$8.50M · min. income ≈ HK$90,858/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,429/mo
Today · 4.125%
HK$48,034
baseline
▲ 0.50% · 4.625%
HK$50,957
+HK$2,923/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,068/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,284
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,632
−HK$1,369/mo
Today · 4.125%
HK$53,001
baseline
▲ 0.50% · 4.625%
HK$55,794
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,002/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,113
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,921
−HK$1,837/mo
Today · 4.125%
HK$61,758
baseline
▲ 0.50% · 4.625%
HK$65,516
+HK$3,758/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,516/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,651
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,385
−HK$1,759/mo
Today · 4.125%
HK$68,144
baseline
▲ 0.50% · 4.625%
HK$71,735
+HK$3,591/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,288/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,948 · Scale 2, in force from 26 Feb 2026)