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$32,300
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$1,020/mo
Today · 4.125%
HK$34,325
baseline
▲ 0.50% · 4.625%
HK$36,414
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,650/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,933
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$978/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$39,871
+HK$1,996/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,225/mo
Today · 4.125%
HK$41,190
baseline
▲ 0.50% · 4.625%
HK$43,697
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,380/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,276
−HK$1,174/mo
Today · 4.125%
HK$45,450
baseline
▲ 0.50% · 4.625%
HK$47,845
+HK$2,395/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,900/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,220
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,626
−HK$1,429/mo
Today · 4.125%
HK$48,055
baseline
▲ 0.50% · 4.625%
HK$50,980
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,110/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,307
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,656
−HK$1,368/mo
Today · 4.125%
HK$53,024
baseline
▲ 0.50% · 4.625%
HK$55,819
+HK$2,795/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,048/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,140
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,838/mo
Today · 4.125%
HK$61,786
baseline
▲ 0.50% · 4.625%
HK$65,545
+HK$3,759/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,572/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,680
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,415
−HK$1,759/mo
Today · 4.125%
HK$68,174
baseline
▲ 0.50% · 4.625%
HK$71,768
+HK$3,594/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,348/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,188 · Scale 2, in force from 26 Feb 2026)