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$32,311
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$1,021/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$2,090/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,910
−HK$978/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$1,997/mo
Deposit HK$7.08M · loan HK$7.08M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,773
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,980
−HK$1,225/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,712
+HK$2,507/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,135
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,174/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$47,862
+HK$2,396/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,236
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,643
−HK$1,429/mo
Today · 4.125%
HK$48,072
baseline
▲ 0.50% · 4.625%
HK$50,997
+HK$2,925/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,144/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,324
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,674
−HK$1,369/mo
Today · 4.125%
HK$53,043
baseline
▲ 0.50% · 4.625%
HK$55,839
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,086/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,160
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,838/mo
Today · 4.125%
HK$61,807
baseline
▲ 0.50% · 4.625%
HK$65,568
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$123,614/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,703
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,438
−HK$1,760/mo
Today · 4.125%
HK$68,198
baseline
▲ 0.50% · 4.625%
HK$71,793
+HK$3,595/mo
Deposit HK$1.42M · loan HK$12.75M · min. income ≈ HK$136,396/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,375 · Scale 2, in force from 26 Feb 2026)