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$32,331
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$1,022/mo
Today · 4.125%
HK$34,358
baseline
▲ 0.50% · 4.625%
HK$36,449
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,716/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,967
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$979/mo
Today · 4.125%
HK$37,911
baseline
▲ 0.50% · 4.625%
HK$39,909
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,822/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,797
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,004
−HK$1,226/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,738
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,161
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,319
−HK$1,174/mo
Today · 4.125%
HK$45,493
baseline
▲ 0.50% · 4.625%
HK$47,891
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,986/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,671
−HK$1,430/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,927/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,202/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,354
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,705
−HK$1,370/mo
Today · 4.125%
HK$53,075
baseline
▲ 0.50% · 4.625%
HK$55,873
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,150/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,195
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,005
−HK$1,839/mo
Today · 4.125%
HK$61,844
baseline
▲ 0.50% · 4.625%
HK$65,607
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,688/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,741
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,478
−HK$1,761/mo
Today · 4.125%
HK$68,239
baseline
▲ 0.50% · 4.625%
HK$71,836
+HK$3,597/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,478/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,694 · Scale 2, in force from 26 Feb 2026)