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$32,438
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,447
−HK$1,025/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,570
+HK$2,098/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,055
−HK$982/mo
Today · 4.125%
HK$38,037
baseline
▲ 0.50% · 4.625%
HK$40,042
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,074/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,926
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,230/mo
Today · 4.125%
HK$41,367
baseline
▲ 0.50% · 4.625%
HK$43,884
+HK$2,517/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$82,734/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,304
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,466
−HK$1,178/mo
Today · 4.125%
HK$45,644
baseline
▲ 0.50% · 4.625%
HK$48,050
+HK$2,406/mo
Deposit HK$5.69M · loan HK$8.54M · min. income ≈ HK$91,288/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,413
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,826
−HK$1,435/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,937/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,522
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,877
−HK$1,374/mo
Today · 4.125%
HK$53,251
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$2,807/mo
Deposit HK$4.27M · loan HK$9.96M · min. income ≈ HK$106,502/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,389
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,205
−HK$1,845/mo
Today · 4.125%
HK$62,050
baseline
▲ 0.50% · 4.625%
HK$65,826
+HK$3,776/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,100/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,957
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,699
−HK$1,767/mo
Today · 4.125%
HK$68,466
baseline
▲ 0.50% · 4.625%
HK$72,075
+HK$3,609/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,932/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,462 · Scale 2, in force from 26 Feb 2026)