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$32,320
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,325
−HK$1,022/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,436
+HK$2,089/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,955
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,920
−HK$978/mo
Today · 4.125%
HK$37,898
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,796/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,990
−HK$1,226/mo
Today · 4.125%
HK$41,216
baseline
▲ 0.50% · 4.625%
HK$43,724
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,432/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,147
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,304
−HK$1,174/mo
Today · 4.125%
HK$45,478
baseline
▲ 0.50% · 4.625%
HK$47,875
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,956/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,248
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,430/mo
Today · 4.125%
HK$48,085
baseline
▲ 0.50% · 4.625%
HK$51,011
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,170/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,338
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,688
−HK$1,369/mo
Today · 4.125%
HK$53,057
baseline
▲ 0.50% · 4.625%
HK$55,854
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,114/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,176
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,985
−HK$1,839/mo
Today · 4.125%
HK$61,824
baseline
▲ 0.50% · 4.625%
HK$65,586
+HK$3,762/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,648/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,720
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,456
−HK$1,760/mo
Today · 4.125%
HK$68,216
baseline
▲ 0.50% · 4.625%
HK$71,812
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,432/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,517 · Scale 2, in force from 26 Feb 2026)