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$32,318
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$1,021/mo
Today · 4.125%
HK$34,344
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,688/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,953
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,917
−HK$979/mo
Today · 4.125%
HK$37,896
baseline
▲ 0.50% · 4.625%
HK$39,893
+HK$1,997/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,792/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,781
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,988
−HK$1,225/mo
Today · 4.125%
HK$41,213
baseline
▲ 0.50% · 4.625%
HK$43,721
+HK$2,508/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$82,426/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,144
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,301
−HK$1,174/mo
Today · 4.125%
HK$45,475
baseline
▲ 0.50% · 4.625%
HK$47,872
+HK$2,397/mo
Deposit HK$5.67M · loan HK$8.50M · min. income ≈ HK$90,950/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,652
−HK$1,430/mo
Today · 4.125%
HK$48,082
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,164/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,334
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,684
−HK$1,370/mo
Today · 4.125%
HK$53,054
baseline
▲ 0.50% · 4.625%
HK$55,850
+HK$2,796/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,108/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,172
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,981
−HK$1,839/mo
Today · 4.125%
HK$61,820
baseline
▲ 0.50% · 4.625%
HK$65,581
+HK$3,761/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,640/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,716
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,451
−HK$1,761/mo
Today · 4.125%
HK$68,212
baseline
▲ 0.50% · 4.625%
HK$71,808
+HK$3,596/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,424/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,483 · Scale 2, in force from 26 Feb 2026)