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$32,294
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$1,020/mo
Today · 4.125%
HK$34,319
baseline
▲ 0.50% · 4.625%
HK$36,408
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,638/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,927
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$977/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,225/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,506/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,173/mo
Today · 4.125%
HK$45,442
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,395/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,884/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,212
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,429/mo
Today · 4.125%
HK$48,047
baseline
▲ 0.50% · 4.625%
HK$50,971
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,094/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,298
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,647
−HK$1,368/mo
Today · 4.125%
HK$53,015
baseline
▲ 0.50% · 4.625%
HK$55,810
+HK$2,795/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,030/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,130
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,938
−HK$1,837/mo
Today · 4.125%
HK$61,775
baseline
▲ 0.50% · 4.625%
HK$65,534
+HK$3,759/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,550/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,669
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,403
−HK$1,759/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$3,593/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,096 · Scale 2, in force from 26 Feb 2026)