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$32,269
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$1,020/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$2,087/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,899
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$977/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$1,994/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,723
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,928
−HK$1,223/mo
Today · 4.125%
HK$41,151
baseline
▲ 0.50% · 4.625%
HK$43,655
+HK$2,504/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,302/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,079
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,234
−HK$1,173/mo
Today · 4.125%
HK$45,407
baseline
▲ 0.50% · 4.625%
HK$47,800
+HK$2,393/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,814/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,428/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,921/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,607
−HK$1,367/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$55,767
+HK$2,793/mo
Deposit HK$4.25M · loan HK$9.91M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,085
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,892
−HK$1,835/mo
Today · 4.125%
HK$61,727
baseline
▲ 0.50% · 4.625%
HK$65,483
+HK$3,756/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$123,454/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,619
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,352
−HK$1,758/mo
Today · 4.125%
HK$68,110
baseline
▲ 0.50% · 4.625%
HK$71,700
+HK$3,590/mo
Deposit HK$1.42M · loan HK$12.74M · min. income ≈ HK$136,220/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$530,686 · Scale 2, in force from 26 Feb 2026)