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$32,349
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,355
−HK$1,023/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,469
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,988
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,953
−HK$979/mo
Today · 4.125%
HK$37,932
baseline
▲ 0.50% · 4.625%
HK$39,932
+HK$2,000/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,864/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,819
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,026
−HK$1,227/mo
Today · 4.125%
HK$41,253
baseline
▲ 0.50% · 4.625%
HK$43,763
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,506/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,186
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,344
−HK$1,175/mo
Today · 4.125%
HK$45,519
baseline
▲ 0.50% · 4.625%
HK$47,918
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,038/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,289
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,697
−HK$1,432/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$51,057
+HK$2,928/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,383
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,734
−HK$1,371/mo
Today · 4.125%
HK$53,105
baseline
▲ 0.50% · 4.625%
HK$55,905
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,210/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,228
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,040
−HK$1,840/mo
Today · 4.125%
HK$61,880
baseline
▲ 0.50% · 4.625%
HK$65,645
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,760/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,778
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,516
−HK$1,762/mo
Today · 4.125%
HK$68,278
baseline
▲ 0.50% · 4.625%
HK$71,877
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,556/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,998 · Scale 2, in force from 26 Feb 2026)