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$32,367
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,373
−HK$1,023/mo
Today · 4.125%
HK$34,396
baseline
▲ 0.50% · 4.625%
HK$36,489
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,792/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,007
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,973
−HK$980/mo
Today · 4.125%
HK$37,953
baseline
▲ 0.50% · 4.625%
HK$39,953
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,906/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,840
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,048
−HK$1,227/mo
Today · 4.125%
HK$41,275
baseline
▲ 0.50% · 4.625%
HK$43,787
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,550/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,209
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,368
−HK$1,175/mo
Today · 4.125%
HK$45,543
baseline
▲ 0.50% · 4.625%
HK$47,944
+HK$2,401/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,086/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,313
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,432/mo
Today · 4.125%
HK$48,155
baseline
▲ 0.50% · 4.625%
HK$51,085
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,310/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,410
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,762
−HK$1,372/mo
Today · 4.125%
HK$53,134
baseline
▲ 0.50% · 4.625%
HK$55,935
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,268/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,260
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,072
−HK$1,841/mo
Today · 4.125%
HK$61,913
baseline
▲ 0.50% · 4.625%
HK$65,680
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,826/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,813
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,552
−HK$1,763/mo
Today · 4.125%
HK$68,315
baseline
▲ 0.50% · 4.625%
HK$71,916
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,630/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,285 · Scale 2, in force from 26 Feb 2026)