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$32,390
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,397
−HK$1,024/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$2,094/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,033
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$980/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,868
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,077
−HK$1,228/mo
Today · 4.125%
HK$41,305
baseline
▲ 0.50% · 4.625%
HK$43,819
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,610/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,240
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,400
−HK$1,176/mo
Today · 4.125%
HK$45,576
baseline
▲ 0.50% · 4.625%
HK$47,979
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,152/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,346
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,756
−HK$1,433/mo
Today · 4.125%
HK$48,189
baseline
▲ 0.50% · 4.625%
HK$51,122
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,378/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,447
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,800
−HK$1,372/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$55,975
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,302
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,115
−HK$1,843/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,728
+HK$3,770/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,860
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,600
−HK$1,764/mo
Today · 4.125%
HK$68,364
baseline
▲ 0.50% · 4.625%
HK$71,968
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,728/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,669 · Scale 2, in force from 26 Feb 2026)