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$32,376
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,383
−HK$1,024/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,500
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,018
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,984
−HK$980/mo
Today · 4.125%
HK$37,964
baseline
▲ 0.50% · 4.625%
HK$39,966
+HK$2,002/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,928/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,060
−HK$1,228/mo
Today · 4.125%
HK$41,288
baseline
▲ 0.50% · 4.625%
HK$43,800
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,576/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,222
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,381
−HK$1,176/mo
Today · 4.125%
HK$45,557
baseline
▲ 0.50% · 4.625%
HK$47,959
+HK$2,402/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,114/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,327
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,737
−HK$1,432/mo
Today · 4.125%
HK$48,169
baseline
▲ 0.50% · 4.625%
HK$51,100
+HK$2,931/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,338/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,426
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,778
−HK$1,372/mo
Today · 4.125%
HK$53,150
baseline
▲ 0.50% · 4.625%
HK$55,952
+HK$2,802/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,300/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,277
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,090
−HK$1,842/mo
Today · 4.125%
HK$61,932
baseline
▲ 0.50% · 4.625%
HK$65,700
+HK$3,768/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$123,864/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,833
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,572
−HK$1,764/mo
Today · 4.125%
HK$68,336
baseline
▲ 0.50% · 4.625%
HK$71,938
+HK$3,602/mo
Deposit HK$1.42M · loan HK$12.78M · min. income ≈ HK$136,672/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,447 · Scale 2, in force from 26 Feb 2026)