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$32,267
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$1,020/mo
Today · 4.125%
HK$34,291
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$2,086/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,582/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$977/mo
Today · 4.125%
HK$37,837
baseline
▲ 0.50% · 4.625%
HK$39,831
+HK$1,994/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,674/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,721
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,224/mo
Today · 4.125%
HK$41,149
baseline
▲ 0.50% · 4.625%
HK$43,653
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,298/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,077
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,232
−HK$1,172/mo
Today · 4.125%
HK$45,404
baseline
▲ 0.50% · 4.625%
HK$47,797
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,808/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,174
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,580
−HK$1,427/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,921/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,256
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,367/mo
Today · 4.125%
HK$52,971
baseline
▲ 0.50% · 4.625%
HK$55,763
+HK$2,792/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,942/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,081
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,888
−HK$1,836/mo
Today · 4.125%
HK$61,724
baseline
▲ 0.50% · 4.625%
HK$65,479
+HK$3,755/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,448/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,615
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$1,758/mo
Today · 4.125%
HK$68,106
baseline
▲ 0.50% · 4.625%
HK$71,696
+HK$3,590/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,212/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,654 · Scale 2, in force from 26 Feb 2026)