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$32,396
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$1,024/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$2,095/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$981/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$39,990
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,876
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,085
−HK$1,228/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,514/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,249
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,409
−HK$1,176/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$47,988
+HK$2,403/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,355
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,766
−HK$1,433/mo
Today · 4.125%
HK$48,199
baseline
▲ 0.50% · 4.625%
HK$51,132
+HK$2,933/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$96,398/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,810
−HK$1,373/mo
Today · 4.125%
HK$53,183
baseline
▲ 0.50% · 4.625%
HK$55,986
+HK$2,803/mo
Deposit HK$4.26M · loan HK$9.95M · min. income ≈ HK$106,366/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,313
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,127
−HK$1,843/mo
Today · 4.125%
HK$61,970
baseline
▲ 0.50% · 4.625%
HK$65,741
+HK$3,771/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$123,940/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,873
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,613
−HK$1,765/mo
Today · 4.125%
HK$68,378
baseline
▲ 0.50% · 4.625%
HK$71,982
+HK$3,604/mo
Deposit HK$1.42M · loan HK$12.79M · min. income ≈ HK$136,756/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,775 · Scale 2, in force from 26 Feb 2026)