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$32,342
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,348
−HK$1,022/mo
Today · 4.125%
HK$34,370
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,740/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,980
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,945
−HK$979/mo
Today · 4.125%
HK$37,924
baseline
▲ 0.50% · 4.625%
HK$39,923
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,848/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,810
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,227/mo
Today · 4.125%
HK$41,244
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,488/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,174/mo
Today · 4.125%
HK$45,508
baseline
▲ 0.50% · 4.625%
HK$47,907
+HK$2,399/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,016/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,278
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,687
−HK$1,431/mo
Today · 4.125%
HK$48,118
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,236/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,372
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,722
−HK$1,371/mo
Today · 4.125%
HK$53,093
baseline
▲ 0.50% · 4.625%
HK$55,892
+HK$2,799/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,186/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,215
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,026
−HK$1,839/mo
Today · 4.125%
HK$61,865
baseline
▲ 0.50% · 4.625%
HK$65,630
+HK$3,765/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,730/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,763
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,500
−HK$1,762/mo
Today · 4.125%
HK$68,262
baseline
▲ 0.50% · 4.625%
HK$71,861
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,524/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,874 · Scale 2, in force from 26 Feb 2026)