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$32,296
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,300
−HK$1,021/mo
Today · 4.125%
HK$34,321
baseline
▲ 0.50% · 4.625%
HK$36,409
+HK$2,088/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,642/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,928
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,892
−HK$978/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$39,866
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,755
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,960
−HK$1,225/mo
Today · 4.125%
HK$41,185
baseline
▲ 0.50% · 4.625%
HK$43,691
+HK$2,506/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,370/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,114
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,270
−HK$1,174/mo
Today · 4.125%
HK$45,444
baseline
▲ 0.50% · 4.625%
HK$47,839
+HK$2,395/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,888/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,214
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,429/mo
Today · 4.125%
HK$48,049
baseline
▲ 0.50% · 4.625%
HK$50,973
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,098/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,300
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,649
−HK$1,368/mo
Today · 4.125%
HK$53,017
baseline
▲ 0.50% · 4.625%
HK$55,812
+HK$2,795/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$106,034/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,132
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,837/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,759/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,671
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,406
−HK$1,759/mo
Today · 4.125%
HK$68,165
baseline
▲ 0.50% · 4.625%
HK$71,758
+HK$3,593/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,330/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,118 · Scale 2, in force from 26 Feb 2026)