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$32,446
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$1,025/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,064
−HK$982/mo
Today · 4.125%
HK$38,046
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,006/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,092/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,936
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,230/mo
Today · 4.125%
HK$41,377
baseline
▲ 0.50% · 4.625%
HK$43,895
+HK$2,518/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,754/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,315
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,477
−HK$1,179/mo
Today · 4.125%
HK$45,656
baseline
▲ 0.50% · 4.625%
HK$48,062
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,312/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,838
−HK$1,435/mo
Today · 4.125%
HK$48,273
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,938/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,546/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,535
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,890
−HK$1,375/mo
Today · 4.125%
HK$53,265
baseline
▲ 0.50% · 4.625%
HK$56,072
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,530/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,403
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,220
−HK$1,846/mo
Today · 4.125%
HK$62,066
baseline
▲ 0.50% · 4.625%
HK$65,842
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$124,132/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,973
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,716
−HK$1,767/mo
Today · 4.125%
HK$68,483
baseline
▲ 0.50% · 4.625%
HK$72,093
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.81M · min. income ≈ HK$136,966/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,596 · Scale 2, in force from 26 Feb 2026)