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$32,307
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,312
−HK$1,021/mo
Today · 4.125%
HK$34,333
baseline
▲ 0.50% · 4.625%
HK$36,422
+HK$2,089/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,666/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,941
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,905
−HK$978/mo
Today · 4.125%
HK$37,883
baseline
▲ 0.50% · 4.625%
HK$39,880
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,766/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,768
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,974
−HK$1,225/mo
Today · 4.125%
HK$41,199
baseline
▲ 0.50% · 4.625%
HK$43,706
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,398/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,129
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,286
−HK$1,173/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$47,855
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,918/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,229
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,636
−HK$1,430/mo
Today · 4.125%
HK$48,066
baseline
▲ 0.50% · 4.625%
HK$50,990
+HK$2,924/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,132/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,317
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,369/mo
Today · 4.125%
HK$53,036
baseline
▲ 0.50% · 4.625%
HK$55,831
+HK$2,795/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,072/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,152
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,961
−HK$1,838/mo
Today · 4.125%
HK$61,799
baseline
▲ 0.50% · 4.625%
HK$65,559
+HK$3,760/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,598/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,694
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,429
−HK$1,760/mo
Today · 4.125%
HK$68,189
baseline
▲ 0.50% · 4.625%
HK$71,783
+HK$3,594/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,378/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,301 · Scale 2, in force from 26 Feb 2026)