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$32,260
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$1,020/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,888
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$976/mo
Today · 4.125%
HK$37,827
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$1,994/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,712
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,223/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,642
+HK$2,503/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,172/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$47,786
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,163
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,428/mo
Today · 4.125%
HK$47,996
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,992/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,244
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,367/mo
Today · 4.125%
HK$52,958
baseline
▲ 0.50% · 4.625%
HK$55,750
+HK$2,792/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,916/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,067
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,873
−HK$1,836/mo
Today · 4.125%
HK$61,709
baseline
▲ 0.50% · 4.625%
HK$65,463
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,418/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,599
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,332
−HK$1,757/mo
Today · 4.125%
HK$68,089
baseline
▲ 0.50% · 4.625%
HK$71,678
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,178/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,526 · Scale 2, in force from 26 Feb 2026)