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$32,326
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,332
−HK$1,022/mo
Today · 4.125%
HK$34,354
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$2,090/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,708/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,963
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,927
−HK$979/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$1,998/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,998
−HK$1,226/mo
Today · 4.125%
HK$41,224
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,509/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,448/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,155
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,313
−HK$1,174/mo
Today · 4.125%
HK$45,487
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$90,974/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,257
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,665
−HK$1,430/mo
Today · 4.125%
HK$48,095
baseline
▲ 0.50% · 4.625%
HK$51,021
+HK$2,926/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$96,190/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,348
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,698
−HK$1,370/mo
Today · 4.125%
HK$53,068
baseline
▲ 0.50% · 4.625%
HK$55,865
+HK$2,797/mo
Deposit HK$4.25M · loan HK$9.92M · min. income ≈ HK$106,136/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,188
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,998
−HK$1,838/mo
Today · 4.125%
HK$61,836
baseline
▲ 0.50% · 4.625%
HK$65,599
+HK$3,763/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,672/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,733
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,469
−HK$1,761/mo
Today · 4.125%
HK$68,230
baseline
▲ 0.50% · 4.625%
HK$71,827
+HK$3,597/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,460/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,625 · Scale 2, in force from 26 Feb 2026)