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$32,253
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$1,019/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,361
+HK$2,086/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,881
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,843
−HK$977/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$39,813
+HK$1,993/mo
Deposit HK$7.07M · loan HK$7.07M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,907
−HK$1,224/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,633
+HK$2,502/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,057
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,172/mo
Today · 4.125%
HK$45,384
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,392/mo
Deposit HK$5.66M · loan HK$8.49M · min. income ≈ HK$90,768/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,154
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,559
−HK$1,427/mo
Today · 4.125%
HK$47,986
baseline
▲ 0.50% · 4.625%
HK$50,906
+HK$2,920/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$95,972/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,234
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,581
−HK$1,366/mo
Today · 4.125%
HK$52,947
baseline
▲ 0.50% · 4.625%
HK$55,738
+HK$2,791/mo
Deposit HK$4.24M · loan HK$9.90M · min. income ≈ HK$105,894/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,861
−HK$1,835/mo
Today · 4.125%
HK$61,696
baseline
▲ 0.50% · 4.625%
HK$65,450
+HK$3,754/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$123,392/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,586
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,318
−HK$1,757/mo
Today · 4.125%
HK$68,075
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$3,589/mo
Deposit HK$1.41M · loan HK$12.73M · min. income ≈ HK$136,150/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$530,417 · Scale 2, in force from 26 Feb 2026)