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$32,441
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$1,026/mo
Today · 4.125%
HK$34,476
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,952/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$982/mo
Today · 4.125%
HK$38,040
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,006/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,080/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,231/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,179/mo
Today · 4.125%
HK$45,649
baseline
▲ 0.50% · 4.625%
HK$48,055
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,298/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,418
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,436/mo
Today · 4.125%
HK$48,266
baseline
▲ 0.50% · 4.625%
HK$51,203
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,532/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,882
−HK$1,375/mo
Today · 4.125%
HK$53,257
baseline
▲ 0.50% · 4.625%
HK$56,064
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,514/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,394
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,845/mo
Today · 4.125%
HK$62,056
baseline
▲ 0.50% · 4.625%
HK$65,832
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,112/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,963
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$1,768/mo
Today · 4.125%
HK$68,473
baseline
▲ 0.50% · 4.625%
HK$72,082
+HK$3,609/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,946/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,514 · Scale 2, in force from 26 Feb 2026)