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$32,341
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$1,022/mo
Today · 4.125%
HK$34,369
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$2,092/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$68,738/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,979
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,944
−HK$979/mo
Today · 4.125%
HK$37,923
baseline
▲ 0.50% · 4.625%
HK$39,922
+HK$1,999/mo
Deposit HK$7.09M · loan HK$7.09M · min. income ≈ HK$75,846/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,809
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,226/mo
Today · 4.125%
HK$41,243
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,510/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$82,486/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,175
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,333
−HK$1,175/mo
Today · 4.125%
HK$45,508
baseline
▲ 0.50% · 4.625%
HK$47,906
+HK$2,398/mo
Deposit HK$5.67M · loan HK$8.51M · min. income ≈ HK$91,016/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,278
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,686
−HK$1,431/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,928/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,371
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,722
−HK$1,370/mo
Today · 4.125%
HK$53,092
baseline
▲ 0.50% · 4.625%
HK$55,891
+HK$2,799/mo
Deposit HK$4.25M · loan HK$9.93M · min. income ≈ HK$106,184/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,214
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,025
−HK$1,840/mo
Today · 4.125%
HK$61,865
baseline
▲ 0.50% · 4.625%
HK$65,629
+HK$3,764/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$123,730/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,763
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,500
−HK$1,762/mo
Today · 4.125%
HK$68,262
baseline
▲ 0.50% · 4.625%
HK$71,860
+HK$3,598/mo
Deposit HK$1.42M · loan HK$12.76M · min. income ≈ HK$136,524/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$531,868 · Scale 2, in force from 26 Feb 2026)