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$32,353
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$1,022/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,993
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$979/mo
Today · 4.125%
HK$37,937
baseline
▲ 0.50% · 4.625%
HK$39,937
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,874/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,032
−HK$1,227/mo
Today · 4.125%
HK$41,259
baseline
▲ 0.50% · 4.625%
HK$43,769
+HK$2,510/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$82,518/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,191
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,350
−HK$1,175/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,399/mo
Deposit HK$5.68M · loan HK$8.51M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,295
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,431/mo
Today · 4.125%
HK$48,135
baseline
▲ 0.50% · 4.625%
HK$51,064
+HK$2,929/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,270/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,741
−HK$1,371/mo
Today · 4.125%
HK$53,112
baseline
▲ 0.50% · 4.625%
HK$55,912
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,224/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,236
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,841/mo
Today · 4.125%
HK$61,888
baseline
▲ 0.50% · 4.625%
HK$65,654
+HK$3,766/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,776/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,787
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,524
−HK$1,763/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$71,887
+HK$3,600/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,067 · Scale 2, in force from 26 Feb 2026)