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$32,373
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$1,024/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,497
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,015
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$980/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$39,962
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,848
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,057
−HK$1,227/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,796
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,218
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,377
−HK$1,176/mo
Today · 4.125%
HK$45,553
baseline
▲ 0.50% · 4.625%
HK$47,954
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,106/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,323
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,733
−HK$1,432/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$51,096
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,421
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,773
−HK$1,372/mo
Today · 4.125%
HK$53,145
baseline
▲ 0.50% · 4.625%
HK$55,947
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,290/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,272
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,085
−HK$1,841/mo
Today · 4.125%
HK$61,926
baseline
▲ 0.50% · 4.625%
HK$65,694
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,852/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,827
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,566
−HK$1,764/mo
Today · 4.125%
HK$68,330
baseline
▲ 0.50% · 4.625%
HK$71,931
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,660/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,399 · Scale 2, in force from 26 Feb 2026)