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$32,363
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$1,023/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,003
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$979/mo
Today · 4.125%
HK$37,948
baseline
▲ 0.50% · 4.625%
HK$39,949
+HK$2,001/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,896/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,228/mo
Today · 4.125%
HK$41,271
baseline
▲ 0.50% · 4.625%
HK$43,782
+HK$2,511/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,542/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,362
−HK$1,176/mo
Today · 4.125%
HK$45,538
baseline
▲ 0.50% · 4.625%
HK$47,938
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,076/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,308
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,432/mo
Today · 4.125%
HK$48,149
baseline
▲ 0.50% · 4.625%
HK$51,079
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$96,298/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,404
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,756
−HK$1,372/mo
Today · 4.125%
HK$53,128
baseline
▲ 0.50% · 4.625%
HK$55,928
+HK$2,800/mo
Deposit HK$4.26M · loan HK$9.93M · min. income ≈ HK$106,256/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,253
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,841/mo
Today · 4.125%
HK$61,906
baseline
▲ 0.50% · 4.625%
HK$65,673
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,812/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,806
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,544
−HK$1,763/mo
Today · 4.125%
HK$68,307
baseline
▲ 0.50% · 4.625%
HK$71,907
+HK$3,600/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,614/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,221 · Scale 2, in force from 26 Feb 2026)