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$32,332
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,337
−HK$1,022/mo
Today · 4.125%
HK$34,359
baseline
▲ 0.50% · 4.625%
HK$36,450
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,718/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,969
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,933
−HK$979/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$39,910
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,798
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,005
−HK$1,226/mo
Today · 4.125%
HK$41,231
baseline
▲ 0.50% · 4.625%
HK$43,740
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,462/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,162
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,320
−HK$1,174/mo
Today · 4.125%
HK$45,494
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,988/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,264
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,672
−HK$1,431/mo
Today · 4.125%
HK$48,103
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,206/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,356
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,370/mo
Today · 4.125%
HK$53,077
baseline
▲ 0.50% · 4.625%
HK$55,874
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,154/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,197
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,007
−HK$1,840/mo
Today · 4.125%
HK$61,847
baseline
▲ 0.50% · 4.625%
HK$65,610
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,694/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,744
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$1,762/mo
Today · 4.125%
HK$68,242
baseline
▲ 0.50% · 4.625%
HK$71,839
+HK$3,597/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,484/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,712 · Scale 2, in force from 26 Feb 2026)