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$32,345
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,351
−HK$1,023/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,465
+HK$2,091/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,984
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,949
−HK$979/mo
Today · 4.125%
HK$37,928
baseline
▲ 0.50% · 4.625%
HK$39,927
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,856/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,022
−HK$1,226/mo
Today · 4.125%
HK$41,248
baseline
▲ 0.50% · 4.625%
HK$43,758
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,496/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,181
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,339
−HK$1,174/mo
Today · 4.125%
HK$45,513
baseline
▲ 0.50% · 4.625%
HK$47,913
+HK$2,400/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,026/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,283
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,692
−HK$1,431/mo
Today · 4.125%
HK$48,123
baseline
▲ 0.50% · 4.625%
HK$51,051
+HK$2,928/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,246/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,377
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,728
−HK$1,371/mo
Today · 4.125%
HK$53,099
baseline
▲ 0.50% · 4.625%
HK$55,898
+HK$2,799/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,198/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,222
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,033
−HK$1,840/mo
Today · 4.125%
HK$61,873
baseline
▲ 0.50% · 4.625%
HK$65,637
+HK$3,764/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,746/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,771
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,508
−HK$1,762/mo
Today · 4.125%
HK$68,270
baseline
▲ 0.50% · 4.625%
HK$71,869
+HK$3,599/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,540/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,936 · Scale 2, in force from 26 Feb 2026)