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$32,335
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$1,022/mo
Today · 4.125%
HK$34,363
baseline
▲ 0.50% · 4.625%
HK$36,454
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,726/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,973
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,938
−HK$978/mo
Today · 4.125%
HK$37,916
baseline
▲ 0.50% · 4.625%
HK$39,915
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,832/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,009
−HK$1,227/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,745
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,167
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,325
−HK$1,175/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$47,898
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,270
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,430/mo
Today · 4.125%
HK$48,108
baseline
▲ 0.50% · 4.625%
HK$51,036
+HK$2,928/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,216/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,362
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,713
−HK$1,370/mo
Today · 4.125%
HK$53,083
baseline
▲ 0.50% · 4.625%
HK$55,881
+HK$2,798/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,166/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,204
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,840/mo
Today · 4.125%
HK$61,854
baseline
▲ 0.50% · 4.625%
HK$65,617
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,708/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,751
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,488
−HK$1,761/mo
Today · 4.125%
HK$68,249
baseline
▲ 0.50% · 4.625%
HK$71,847
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,498/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,773 · Scale 2, in force from 26 Feb 2026)