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$32,441
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$1,025/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,090
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$982/mo
Today · 4.125%
HK$38,040
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,080/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,230/mo
Today · 4.125%
HK$41,370
baseline
▲ 0.50% · 4.625%
HK$43,887
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,740/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,308
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,179/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,417
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,435/mo
Today · 4.125%
HK$48,265
baseline
▲ 0.50% · 4.625%
HK$51,202
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,530/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,526
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,374/mo
Today · 4.125%
HK$53,255
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$2,808/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,510/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,209
−HK$1,846/mo
Today · 4.125%
HK$62,055
baseline
▲ 0.50% · 4.625%
HK$65,831
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,110/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,962
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,704
−HK$1,767/mo
Today · 4.125%
HK$68,471
baseline
▲ 0.50% · 4.625%
HK$72,081
+HK$3,610/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,942/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,502 · Scale 2, in force from 26 Feb 2026)