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$32,365
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,372
−HK$1,023/mo
Today · 4.125%
HK$34,395
baseline
▲ 0.50% · 4.625%
HK$36,488
+HK$2,093/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$68,790/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,006
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,972
−HK$980/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$39,952
+HK$2,000/mo
Deposit HK$7.10M · loan HK$7.10M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,839
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,227/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,786
+HK$2,512/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,366
−HK$1,176/mo
Today · 4.125%
HK$45,542
baseline
▲ 0.50% · 4.625%
HK$47,942
+HK$2,400/mo
Deposit HK$5.68M · loan HK$8.52M · min. income ≈ HK$91,084/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,312
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,721
−HK$1,432/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$51,083
+HK$2,930/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,409
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,761
−HK$1,371/mo
Today · 4.125%
HK$53,132
baseline
▲ 0.50% · 4.625%
HK$55,933
+HK$2,801/mo
Deposit HK$4.26M · loan HK$9.94M · min. income ≈ HK$106,264/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,258
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,070
−HK$1,841/mo
Today · 4.125%
HK$61,911
baseline
▲ 0.50% · 4.625%
HK$65,678
+HK$3,767/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$123,822/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,549
−HK$1,764/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$71,914
+HK$3,601/mo
Deposit HK$1.42M · loan HK$12.77M · min. income ≈ HK$136,626/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$532,268 · Scale 2, in force from 26 Feb 2026)